- 27% of UK adults favor including crypto in pensions, citing high return potential.
- Trump’s executive order allows crypto in U.S. 401(k) retirement savings accounts.
- Crypto retirement interest grows as the UK shows caution and the U.S opens regulation.
A quiet shift is taking place in retirement planning. A new survey in the UK has revealed that one in every four adults is open to adding crypto to pension savings. In the U.S., regulators are under pressure from a presidential order to make retirement accounts more accessible to digital assets. Together, these trends indicate that digital assets will soon go beyond short-term speculation to enter into long-term financial planning.
UK Savers Show Interest in Crypto Pensions
A survey by UK insurer Aviva revealed that 27% of British adults support including crypto in pension portfolios. More than 40% of those in favor said profit opportunities motivated their stance.
The UK pension market is valued at £3.8 trillion. Analysts note that even limited exposure to crypto could channel significant sums into digital assets. About 23% of respondents said they would consider withdrawing all or part of their pensions to invest in crypto.
Aviva found that 8% of adults had already withdrawn pension funds for crypto purchases. The figure rose among younger participants. Roughly one in five UK adults aged 25 to 34 said they had redirected pension savings into crypto. They also said they currently hold or previously held digital assets. Two-thirds of those still own some form of cryptocurrency.
However, risks remain a major concern. About 41% of survey participants highlighted hacking or phishing threats. Another 37% cited weak regulation and lack of protection. Price volatility was flagged by 30% of respondents as a barrier to adoption.
Michele Golunska, managing director of wealth and advice at Aviva, acknowledged crypto’s appeal but emphasized the enduring benefits of pensions. Employer contributions and tax relief, she said, remain critical features of long-term retirement security.
Trump Order Signals US Policy Shift
The UK survey comes as the United States takes its own step toward integrating crypto into retirement planning. Earlier this month, President Donald Trump signed an executive order on the issue. The directive allows regulators to redefine “alternative assets” to include crypto within 401(k) retirement accounts.
The order potentially opens access to over $9 trillion in U.S. retirement funds. For the first time, millions of savers could hold Bitcoin and other cryptocurrencies in federally recognized retirement portfolios.
The action marks a shift in the approach towards digital assets among the U.S. regulators. So far, retirement savers have had limited options to include crypto. The executive order prompts agencies to update frameworks that grant an opportunity to allow fund managers to provide exposure.
Market observers note that this development places the U.S. in line with growing global interest in crypto for pensions. For many, the question now is whether retirement planning becomes the bridge between crypto markets and mainstream finance.
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A Transatlantic Shift Toward Retirement Crypto
Both sides of the Atlantic show rising interest in crypto-backed retirement strategies. In the UK, nearly a third of adults say they are curious but do not fully understand the risks of trading pensions for digital assets. Another 27% of respondents said they did not realize pensions could carry fewer risks than crypto.
The regulators in the UK are, however, moving with caution. A framework that was proposed in May treats crypto companies just like a typical financial establishment. Exchanges and dealers would be subject to compliance measures of transparency and consumer protection. UK banks, however, appear reluctant to embrace the trend. Around 40% of surveyed crypto investors said their banks had blocked or delayed transactions with providers.
In the US, the executive order brings clarity at the federal level. It signals that crypto may soon become a standard option in retirement savings products. This development contrasts with the slower, more cautious UK approach.
