- Younger generations believe that Bitcoin volatility is not a threat, but rather they see a quick path to financial growth.
- Research shows that Gen Z prefers cryptography over traditional retirement options due to transparency and control.
Jeff Park from Bitise Asset Management recently raised an interesting point. Bitcoin volatility is actually a major attraction for the younger generation. On the podcast, he said that extreme price fluctuations are often not considered risk, but are viewed as opportunities.
For a generation that grew up with technology and fast information, rapid market changes are not scary, but rather pumping adrenaline.
“Volatility” is why young people prefer Bitcoin. @dgt10011 pic.twitter.com/p3kyjkbntg
– Mario Nawfal’s Round Table Conference (@RoundTableSpace) April 12, 2025
Additionally, Park explained that younger generations tend to take greater risks as they also see a faster return potential. In other words, volatility is not a barrier, but a tool to accelerate wealth building.
This is not a lazy idle speculation. A Gemini survey released on January 25, 2025 showed that over 51% of Gen Z own cryptography worldwide. In the US alone, 33% are ready to allocate at least 5% of their portfolio to this digital asset.
Why Gen Z skips crypto retirement accounts
Imagine you were only 19 years old. Imagine sitting in a cafeteria on campus and starting to buy crypto assets from your mobile phone. That is the reality of Generation Z today.
According to Investopedia, the average age of Gen Z starting to invest is 19 years old than millennials who start at an average age of 25. Interestingly, 44% took their first steps through Crypto. Encryption, not blue chip stock or properties.
Meanwhile, data from YouGov as of February 6, 2025 confirms this trend. 42% of US Gen Z investors hold crypto, far more than those with retirement accounts (11%).
In fact, 65% of them expressed interest in continuing to increase their investment in this asset throughout 2025. This means they aren’t just following. They certainly choose this path as a way to build their economic future.
Young investors accept codes for traditional retirement
Interestingly, CNF previously reported that Bitget Research found that 20% of Gen Z and Alpha prefer crypto-based retirements over traditional retirement systems. What are the main reasons? Transparency and decentralization. Both of these fit perfectly with the mindset of younger generations who are more suspicious of the old closure system.
However, this option still has its challenges. On March 29, 2025, the Financial Times reported that almost a third of Gen Z had begun investing in universities. However, some of them are at high risk as they quickly entered the code without thorough understanding.
In fact, the UK financial authorities (FCA) have warned about “Finfluencers,” which inadvertise financial products frequently.
Not only that, but many of them use small amounts of micro-investment applications. It’s accessible, practical, and the results are instantly visible. This is very appealing to those who are used to being everything instantly. But of course, there are also great risks to the potential for great profits.
Finally, we see that Bitcoin’s appeal to the younger generation is not just because it is in line with the spirit of the times, but also because it is in line with the spirit of the times. Because they are fast, transparent and not afraid to take risks. Volatility is not the enemy. For them, it is actually a new friend on the journey to financial freedom.
