Coinbase: Say good-bye to buying stock and encrypting money as the main field of youth wealth
Original title: State of Crypto Q4 2025: Enger investors are returning the investment playingbook
Source: Coinbase
Photo by Chopper, Foresight News
For decades, America ' s wealth-accumulation path has almost remained unchanged: finding a good job, buying real estate, investing in stocks, and then waiting for time to bring back the dividends. And our latest Encoded Currency Industry Report shows that the younger generation of investors no longer believe in this traditional path and are adjusting their investment behaviour。
In order to understand the market responses of different generations and the role of encrypted money in their portfolios, Coinbase and Ipsos worked together to conduct a special study that interviewed 4350 adults in the United States, including 2005 investors with investment accounts. The core findings of the study are as follows: young investors, such as Z and the Millennium generation, are more inclined than any previous generation to take the initiative to invest, more willing to accept non-traditional assets, and more likely to view encrypted money as a core component of personal financial futures。
A generation excluded from the traditional wealth ladder
Young investors are far more optimistic about the economy than older ones, but believe that the existing financial system is not for themselves. According to research, nearly 70 per cent (73 per cent) of young people indicate that their generation is more difficult than their parents to accumulate wealth through traditional means, while the proportion of older generations with the same view is only 57 per cent。
They witnessed rising housing costs, high student debt and slow salary growth. Against this background, more and more young people are seeking to move beyond "net real estate + equity portfolio." Alternative forms of wealth accumulation in this traditional model。
Non-traditional asset allocation has tripled
THIS ANXIETY IS DIRECTLY REFLECTED IN THEIR ASSET ALLOCATION STRATEGY. RESEARCH SHOWS THAT YOUNG INVESTORS ALLOCATE 25 PER CENT OF THEIR PORTFOLIO TO NON-TRADITIONAL ASSET CLASSES SUCH AS ENCRYPTED CURRENCY, FINANCIAL DERIVATIVES, NON-MODIFIED COINS (NFTS) AND OTHER EMERGING PRODUCTS. THIS PROPORTION IS THREE TIMES HIGHER THAN THAT OF THE OLDER INVESTORS, WHOSE SHARE OF NON-TRADITIONAL ASSET ALLOCATION IS ONLY 8 PER CENT。
The stock holdings of different generations are roughly equal, with the core difference being that young investors have increased the allocation of more dollars outside the stock. They have been more active in seeking income opportunities beyond the traditional equity dividend and have preferred to try new types of investment instruments and emerging markets in order to narrow the wealth gap。
Encryption money is not a side investment, but a core configuration
This shift in intergenerational investment philosophy is most evident in the acceptance of encrypted currencies. The report shows that 45 per cent of young investors already hold encrypted currency, compared to 18 per cent of older investors. In addition, nearly half of the young investors (47 per cent) want to take the lead in accessing new encrypted assets before ordinary markets; by contrast, only 16 per cent of older investors do。
In the eyes of the younger generation, encrypted currency is by no means merely speculative, but is an important way to help them catch up with their wealth. Eighty per cent of young people believe that encrypted money offers more financial opportunities beyond the traditional financial system for their generation, while another eight per cent are convinced that encrypted money will rise significantly in the future financial system. This view is shared by only about 60 per cent of older investors。
The young generation is more eager to explore emerging markets than the in-situ encrypted currency, and they are eager to reach out to more non-traditional assets. The data show that 80 per cent of young investors have expressed a willingness to try new investment opportunities first, and less than half of the older generations have done so. Young investors have always shown a strong interest in new and emerging non-traditional products, such as encrypted currency derivatives, forecast markets, 7x24-hour stock trading, early token sales, Yamamoto and decentralised financial lending。
The impact of this trend on future markets
Young investor groups have shown different characteristics: They trade more frequently and are willing to take greater risks in pursuit of higher returns, shifting a significant proportion of their portfolio to non-traditional assets with a encrypted currency at their core. At the same time, they are driving the entire financial industry towards a shift towards a better match for the needs of the first generation of the Internet, creating a platform to operate around the clock to support diversified asset transactions。
