Gen Z And Crypto: How Younger Generations Are Weighing Risk In Investing

Cryptocurrency is still riding a wave of volatility, but that's never been a deal-breaker for young investors. Even as prices fluctuate and regulators weigh in, interest in crypto remains strong — especially among Gen Z. Coins like Bitcoin, Ethereum and Solana continue to make headlines, and despite the ups and downs, many younger investors are keeping them in their portfolios as long-term plays rather than short-term wins.

A new report from YouGov shows that Gen Z is more likely than any other generation to invest in 2025, even though they're aware of the risks. In fact, 84% of Gen Z investors say they see crypto as risky, but nearly 65% still plan to invest in it this year. That tells us something important: Gen Z isn't avoiding risk — they're trying to manage it more intelligently.

Unlike older generations, who tend to stick with more traditional strategies like long-term index funds or working with financial advisors, Gen Z is more DIY in their approach. They're turning to platforms that offer fractional shares, low-fee trades and educational tools that help them understand what they're buying. They're also more open to exploring alternative assets — from crypto and ETFs to things like digital collectibles and real estate crowdfunding.

So why crypto, even when the risk is clear? For many younger investors, it's about potential. Crypto represents a chance to grow wealth in a system that feels outside the status quo. It also fits into a larger trend of digital-first investing, where convenience, access, and values (like decentralization or tech innovation) play a more significant role than traditional performance metrics alone.

Financial advisors like Tyrone Ross Jr. are seeing that shift firsthand. Ross encourages younger investors to prioritize education over hype, especially when it comes to volatile assets like Bitcoin. He's less concerned about whether Bitcoin hits $100K or more and more focused on helping people invest intentionally — without getting caught in high fees or short-term thinking.

The bottom line? Gen Z is leaning in — not just into crypto but into investing as a whole. They're cautious, curious and more informed than ever. And while their portfolios might look a little different from their parents', their goals are familiar: build wealth, stay flexible and make decisions that align with their values.

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