A survey of UK adults shows that a quarter of respondents are willing to include cryptocurrency as part of their retirement plans, indicating that cryptocurrency could capture a larger share of the UK's multi-trillion-pound pension fund market.
The UK insurance company Aviva stated on Tuesday that its survey of 2,000 UK adults found that 27% are willing to allocate cryptocurrency in their retirement funds, with over 40% of those willing to invest in cryptocurrency citing higher potential returns as their motivation.
The survey, conducted by Censuswide from June 4 to June 6, also found that 23% of respondents would consider withdrawing some or all of their existing pensions to invest in cryptocurrency.
Investing in cryptocurrency within UK retirement plans could bring significant additional capital inflow to the sector, as over four-fifths of UK adults hold pensions, totaling £3.8 trillion ($5.12 trillion).
However, options for UK adults to add cryptocurrency to their retirement funds remain limited.
This survey was released as U.S. President Donald Trump signed an executive order earlier this month allowing U.S. 401(k) retirement plans to include Bitcoin (BTC) and other cryptocurrencies, opening access to over $9 trillion in assets.
Aviva reported that about one-fifth of respondents (approximately 11.6 million people) stated they currently hold or have previously held cryptocurrency. About two-thirds indicated they still own some form of cryptocurrency.
Nearly one-fifth of UK adults aged 25 to 34 reported that they have withdrawn pensions to invest in cryptocurrency.
Respondents cited security risks (such as hacking and phishing attacks) and a lack of regulation and cryptocurrency protection as their biggest concerns, accounting for 41% and 37%, respectively, while cryptocurrency volatility was marked as the third-largest concern at 30%.
Michele Golunska, Managing Director of Wealth and Consulting at Aviva, stated that it is easy to understand why cryptocurrency has become an attractive investment choice in recent years, but pensions still offer significant advantages.
Nearly one-third of respondents expressed interest in cryptocurrency but acknowledged that they do not fully understand the benefits they might forfeit by cashing out their pensions, while 27% were unaware of any risks.
The UK has been cautious in its progress on cryptocurrency regulation, announcing a proposed framework in May that would treat cryptocurrency exchanges, traders, and brokers similarly to traditional financial companies, subjecting them to strict compliance checks with a particular focus on transparency and consumer protection.
UK banks appear to have slowed their adoption pace, as 40% of 2,000 cryptocurrency investors surveyed recently reported that their banks blocked or delayed payments to cryptocurrency providers.
Related: Observers: Bitcoin (BTC) inclusion in 401(k) plans excites crypto investors, but serious risks exist
Original article: “Survey: A Quarter of UK Adults Willing to Add Cryptocurrency to Retirement Portfolios”
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