A new survey by Aviva, one of the UK’s largest insurers, shows that more than a quarter of adults would consider including digital assets in their retirement planning. This growing interest highlights both the appeal of crypto’s potential returns and the risks that come with it.
The report found that 21% of UK adults, around 11.6 million people, have already invested in crypto. 14% say they currently hold digital assets, while one in five people aged 25 to 34 have even withdrawn money from their pension to buy crypto. That equates to about 4.3 million individuals across the country who have already dipped into long-term savings for digital coins.
Why People Look to Crypto for Retirement
When asked why they would use crypto for retirement, most respondents pointed to higher potential returns, with 43% citing this as their main reason. More than a third were drawn by the excitement of new technology, while 32% wanted to diversify their portfolios. For younger generations who grew up in a digital-first world, crypto feels like a natural addition to their investment mix.
Aviva survey: 1 in 4 UK adults are open to adding crypto to their retirement savings.
– 27% willing to include crypto in pensions
– 23% would even withdraw existing pensions to invest
– Biggest interest: ages 25–34Concerns remain: security (41%), regulation (37%), volatility…
— Harpie (@harpie_aitown) August 27, 2025
The idea of including digital assets in retirement portfolios is not unique to the UK. In the United States, asset managers such as Fidelity have already rolled out crypto investment options for 401(k) retirement plans. These programs illustrate how traditional finance is gradually adapting to investor demand for exposure to digital assets, even in long-term savings vehicles.
Concerns About Security and Regulation
Despite the optimism, Aviva’s survey highlights real worries. Forty-one percent of respondents fear security risks such as hacking or phishing. Another 37% point to the lack of regulation, and 30% are wary of crypto’s well-known volatility. Perhaps most concerning, three in ten people admitted they don’t fully understand what they give up by withdrawing from their pensions, including valuable tax breaks and employer contributions.
Globally there is $60T in pension funds, and $250T in private retirement savings.
Funds put around 3% of that into gold, and 20% into alternative assets. (23%)
Crypto has a 1:0.12 value to cash ratio currently.
If even 0.5% of the 23% went into crypto the market would 15x~ 🤷♂️ pic.twitter.com/mW6ZgzFigM
— Adam Cochran (adamscochran.eth) (@adamscochran) June 20, 2023
Aviva’s Wealth and Advice Managing Director, Michele Golunska, urged caution: pensions remain a cornerstone of financial security, with more than four in five UK adults already contributing to one. “It’s easy to see why cryptocurrency has become so popular in recent years,” she said, “but we mustn’t forget the value of the good old pension.”
The survey underscores a generational shift: crypto is increasingly seen as more than speculation. Yet, retirement planning is about balance. While digital assets can offer diversification, pensions carry long-term protections and steady growth potential.
Disclaimer
The information discussed by Altcoin Buzz is not financial advice. This is for educational, entertainment, and informational purposes only. Any information or strategies presented are the thoughts and opinions of the writer/reviewers, and their risk tolerance may differ from yours. We are not responsible for any losses you may incur due to any investments directly or indirectly related to the information provided. Bitcoin and other cryptocurrencies are high-risk investments; therefore, please conduct your due diligence. Copyright Altcoin Buzz Pte Ltd.
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