Young wealthy individuals are shifting their investment focus to cryptocurrencies

Source: BTCHaber Original Title: Young Rich Turn Their Course to Crypto Original Link: https://www.btchaber.com/genc-zenginler-rotasini-kriptoya-cevirdi/ A new study conducted in the United States involving 500 investors aged 18-40 shows that digital assets are no longer considered “alternative” investments for high-income young investors, but have become a fundamental part of their investment portfolios.

Blockchain company ZeroHash, in collaboration with research firm Centiment, conducted the study in Q3 2025, which revealed that 61% of participants hold cryptocurrencies, and demand for this asset class is expected to increase further over the next 12 months.

The study surveyed 500 US investors online, with participants aged 18-40 and household incomes ranging from $100,000 to over $1 million. The research specifically focused on the “high-income young investor” segment, discovering that 75% of participants have already worked with financial advisors or private asset managers. The “high-net-worth” (HNW) investor subgroup is defined as having an annual income between $500,000 and $1 million.

Cryptocurrency’s Position in Investment Portfolios Is Strengthened

The results indicate that digital assets are on par with traditional asset classes like real estate and stocks among young, wealthy American investors. Among those holding cryptocurrencies, 71% allocate 5%-20% of their portfolios to digital assets. Of the high-net-worth young investors surveyed, 44% hold cryptocurrencies. This proportion is comparable to real estate investors but significantly higher than private equity/hedge funds and art and collectibles.

Another notable finding in the report is that even investors who currently do not hold cryptocurrencies show strong demand. The vast majority of participants without a financial advisor indicated that they would open accounts or seriously consider doing so if crypto services were available.

The Heavy Cost of Advisors’ Lack of Crypto Knowledge

One of the most striking findings of the study is that 76% of investors manage their crypto assets independently, without a financial advisor. Only 24% hold cryptocurrencies through advisors. However, the report highlights that this “advice gap” has serious consequences: 35% of participants have already shifted their funds elsewhere because their advisors do not offer crypto services. Among high-net-worth investors, this figure rises to 51%.

The scale of capital outflows is staggering: among investors transferring funds, 34% moved $250,000-$500,000, and 21.8% moved $500,000-$1,000,000. Sixty-four percent of participants said they would stay longer or transfer more assets if their advisors provided crypto services.

On the other hand, the report notes that the entry of major institutions such as a leading exchange, Fidelity, Morgan Stanley, and Robinhood has boosted investor confidence.

Bitcoin Isn’t Enough; Investors Seek More Diversified Portfolios

The report shows investors are not satisfied with just Bitcoin and Ethereum. 92% of participants believe it is important to have access to a broader range of digital assets. One-fifth of investors have already increased their investments in alternative assets such as Solana (SOL), Dogecoin (DOGE), and USD Coin (USDC), but high-net-worth investors are seeking even more diversification: 49% of HNW investors are primarily invested in Bitcoin, compared to 64% among the general population.

Expectations for security and transparency are clear: 63% of investors believe cryptocurrencies should be treated equally with traditional assets, and 50% want insured custody services. In terms of risk management, about 70% of investors are concerned about money laundering and cybersecurity issues, with independent audits (56%), transparent reporting (54%), and regulated custodians (54%) being listed as the most important guarantees.

$124 Trillion in Wealth Transfer

The study reminds us that over the next decade, a massive $124 trillion of wealth held by the Silent Generation and Baby Boomers will be transferred to Generation X, Y, and Z investors. According to the report, cryptocurrencies will play a central role in this wealth transfer.