A new survey conducted by UK insurance giant Aviva has revealed a growing interest in cryptocurrency among British adults planning for retirement. According to the poll, carried out between June 4 and 6 with a sample of 2,000 people, 27% of adults in the UK are open to including crypto in their retirement plans.
Why Are People Considering Crypto for Retirement?
Among those open to the idea, over 40% cited the potential for higher returns as the main motivation. In a time when traditional pensions often offer modest gains, many individuals—especially younger adults—are turning to digital assets in the hopes of boosting their long-term savings.
The survey also found that nearly one in four respondents would consider withdrawing some or all of their current pensions to invest in cryptocurrencies. This signals a notable shift in how UK adults are approaching retirement planning.
Notably, those aged 25 to 34 are leading this trend. Many from this group have reportedly used funds from their pension pots to make crypto investments, drawn by the promise of rapid growth.
UK Pensions Hold £3.8 Trillion—But Crypto Access Is Still Limited
The broader UK pension system holds a staggering £3.8 trillion ($5.12 trillion) in assets. However, despite growing interest, options to include cryptocurrency within retirement plans remain scarce. Most traditional pension schemes don’t yet allow for digital asset exposure.
Risk, of course, plays a major role in this hesitation. About 41% of those surveyed cited hacking as their top concern, while 37% pointed to a lack of regulation in the crypto space. These fears are justified, as the crypto market remains volatile and regulatory frameworks continue to evolve.
This shift in investor sentiment mirrors what’s happening in the United States. A recent executive order from President Donald Trump has allowed 401(k) retirement plans to include cryptocurrencies, opening access to over $9 trillion in retirement assets. This move could serve as a model for the UK if demand for crypto pensions continues to grow.
Conclusion: While a significant number of Brits are open to adding crypto to their retirement mix, institutional and regulatory barriers remain. As the financial landscape evolves, the question isn’t just whether crypto will be part of retirement—it’s when and how it will be safely integrated.
