Around 27% of the U.K.’s adult population are ready to include cryptocurrencies in their pension planning, with about 18% already using their retirement savings to purchase digital assets.

According to a survey by insurance company Aviva, 11.6 million adults in the U.K. invest in cryptocurrencies, with 14% of them being long-term holders of digital assets.
Aviva’s analysts identified significant interest in crypto in the context of retirement savings. About 27% of respondents expressed readiness to add digital assets to their pension portfolio, while another 23% said they were open to the idea.
At the same time, around 62% of respondents expressed concern about potentially losing pension benefits if they choose to invest in cryptocurrencies instead of traditional pension products.
Those considering the use of pension funds for crypto investments explained their decision by the opportunity to:
- gain higher potential returns (43%);
- support innovation and new technologies (36%);
- diversify their portfolio (32%).
Among the main factors preventing Britons from adopting cryptocurrencies as retirement savings, analysts highlighted:
- concerns about security risks (41%);
- lack of regulation and crypto protection (37%);
- volatility of cryptocurrencies (30%).
The study also shows particularly high interest in cryptocurrencies as a retirement investment among people aged 25–34. According to the survey, around 4.3 million young Britons already withdrew funds from their pension pots to purchase cryptocurrencies and show a greater willingness to experiment with financial instruments.
Moreover, about 30% of respondents admitted they simply don’t understand the long-term benefits of investing in digital assets, while around 27% are unaware of the risks associated with cryptocurrencies.
More than 90 million U.S. residents will be able to invest in cryptocurrencies and other alternative assets through their 401(k) retirement accounts after Donald Trump signed the corresponding decree.