One in Four Brits Open to Crypto in Retirement Plans, Aviva Survey Finds

Quick Breakdown

• 27% of UK adults open to including crypto in pensions
• 23% would consider cashing out pensions to invest in crypto
• Security, regulation, and volatility remain top concerns

Growing Interest in Crypto-Backed Retirement Funds

A new survey by UK insurance firm Aviva has revealed that a quarter of British adults would be willing to include cryptocurrencies as part of their retirement planning. The poll, conducted by Censuswide between June 4–6 among 2,000 UK adults, found that 27% were open to crypto forming part of their pension savings, with more than 40% of that group citing higher potential returns as their main driver.

The findings highlight the growing appetite for digital assets within the UK’s £3.8 trillion ($5.12 trillion) pension market, despite limited access to crypto-related retirement products.

Willingness to Take Risks With Pensions

According to the survey, 23% of respondents said they would consider withdrawing some or all of their existing pensions to invest directly in crypto. The trend appears particularly strong among younger adults, with nearly one-fifth of those aged 25–34 admitting to already dipping into their pensions to fund crypto purchases.

Aviva also noted that around 11.6 million adults in the UK have invested in crypto at some point, and about two-thirds still hold digital assets in some capacity.

The growing interest comes as the U.S. takes a bold step forward, with President Donald Trump recently signing an executive order allowing 401(k) retirement plans to allocate to Bitcoin and other cryptocurrencies, potentially unlocking access to over $9 trillion in assets.

Risks Still Overshadowing Adoption

Despite the interest, Aviva’s poll found that concerns over security and regulation remain a significant barrier. 41% of respondents highlighted hacking and phishing risks, while 37% pointed to the lack of regulatory safeguards. Market volatility was identified as the third-biggest concern, flagged by 30% of participants.

Regulatory Push and Banking Friction

The UK has begun cautiously advancing its regulatory stance on digital assets. In May, the government outlined a proposed framework that would treat crypto exchanges and dealers under similar compliance obligations as traditional finance firms, with a focus on consumer protection and transparency.

However, challenges remain on the banking side. Aviva’s report noted that 40% of surveyed crypto investors said their banks had either blocked or delayed payments to crypto providers, signaling continued hesitancy from financial institutions.

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