Demographic knowledge exhibits traders aged 55+ now allocate 12% of retirement portfolios to crypto property, up from 4% in 2023. This shift stems from declining bond yields and rising acceptance of crypto as a official asset class amongst monetary advisors.
Many older traders are drawn to staking rewards and yield farming alternatives that outperform conventional fixed-income merchandise. Nevertheless, regulators warn that 68% of those traders lack understanding of sensible contract dangers or custody options. The SEC not too long ago flagged this pattern in its annual investor alert bulletin.
Monetary planners observe that whereas crypto allocations can improve returns, the volatility stays unsuitable for risk-averse retirees. Some corporations now supply ‘crypto lite’ merchandise with capped publicity and insurance coverage protections particularly concentrating on this demographic.
This text is for informational functions solely and doesn’t represent monetary recommendation. Please conduct your individual analysis earlier than making any funding selections.
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Editor-in-Chief / Coin Push Dean is a crypto fanatic primarily based in Amsterdam, the place he follows each twist and switch on the earth of cryptocurrencies and Web3.