Study: 48% of Americans Add Crypto in their Retirement Savings

Cryptocurrency has rapidly transformed from a speculative investment into a mainstream retirement option for many Americans, particularly among Generation Z. As digital assets become more legitimate and accessible, an increasing number of Americans across various age groups are incorporating crypto into their retirement strategies. CryptoNinjas partnered with Storible to explore in depth how Americans are integrating cryptocurrency into their retirement savings.

Key Findings

1. 48% of Americans include crypto in their retirement savings.
2. 60% plan to increase their crypto allocation in retirement savings.
3. 62% intend to invest in Fidelity’s crypto-focused IRA.
4. 44% allocate between 10% and 20% of their retirement savings to cryptocurrency.
5. 21% allocate more of their retirement savings to crypto than to stocks.

Methodology

We surveyed 1,156 Americans on Prolific (a leading survey platform) about how they incorporate crypto into their retirement savings. Data was collected on April 9, 2025.

48% of Americans Include Crypto in Retirement Savings Plans

Nearly half of Americans (48%) now include cryptocurrency in their retirement savings, with notable differences across generations

Gen Z leads the way, with more than half already allocating retirement funds to crypto. Millennials follow closely, showing strong acceptance of digital assets as viable long-term investments.

60% of Americans Plan to Boost Crypto Allocation in Retirement Savings

The future outlook suggests even deeper integration of crypto in retirement strategies, with 60% of Americans planning to increase their crypto holdings

Two-thirds of Gen Z plan to grow their crypto investments, underscoring this younger generation’s confidence in digital currencies. Millennials and Gen X also exhibit robust enthusiasm, indicating broader trust in cryptocurrency’s longevity and stability.

62% of Americans are Eyeing Fidelity’s Crypto-Focused IRA

Fidelity’s introduction of a crypto-focused IRA is attracting significant interest, with 62% of Americans planning to participate

Remarkably, 76% of Gen Z is ready to embrace Fidelity’s crypto IRA, illustrating a generation keen on innovative financial tools designed specifically for digital assets. Millennials also demonstrate strong interest, suggesting Fidelity’s initiative aligns well with younger investors’ aspirations.

44% of Americans Allocate 10%-20% of Their Retirement Funds to Crypto

Nearly half (44%) of Americans allocate a significant portion (10%-20%) of their retirement funds to crypto

Gen Z remains notably bullish, with nearly 60% willing to invest substantially. Millennials follow closely, reflecting similar trust in crypto’s potential as a retirement investment vehicle.

21% of Americans Favor Crypto Over Stocks

Interestingly, 21% of Americans now allocate more retirement savings to crypto than to traditional stocks

A significant 30% of Gen Z prioritizes crypto over stocks, a clear indication of shifting investment preferences among younger demographics. Millennials, too, are diversifying beyond conventional investment options, signaling a broader acceptance of cryptocurrency.

Gen Z Is Paving the Way

Generation Z clearly leads the crypto retirement wave:

• Over half (58%) already include crypto in retirement plans.

• Two-thirds (67%) plan to increase crypto allocation in their retirement funds.

• 76% express interest in Fidelity’s crypto IRA.

• Nearly one-third (30%) invest more in crypto than traditional stocks.

The younger generations’ proactive approach to cryptocurrency is transforming retirement planning, pushing financial institutions to adapt and innovate rapidly. This generational shift underscores crypto’s growing role in reshaping future financial strategies. 

Conclusion

Crypto is no longer a fringe investment—it’s becoming a core part of retirement planning for millions of Americans. With younger generations leading the way, the shift toward digital assets is accelerating. As more Americans embrace crypto for long-term financial security, it’s clear that digital assets will play a growing role in shaping the future of retirement savings.

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