Key Takeaways
- • Six in 10 current U.S. crypto investors expect to invest more in digital assets over the next 12 months, according to Charles Schwab's 2026 Modern Wealth Survey, a higher share than any other asset class measured.
- • Crypto intention to add exceeds that of ETF holders (56%), stock investors (52%), bondholders (42%), and mutual fund investors (41%).
- • Millennials are the demographic most likely to own crypto, with ownership rates more than four times higher than Baby Boomers; publisher context cites 64% of Millennial crypto owners planning to buy more.
- • One in five Americans currently owns cryptocurrency, and another one in five is interested in making a first purchase.
- • Joe Vietri, Head of Digital Assets at Charles Schwab, says crypto is increasingly viewed as a complement to traditional investments rather than a substitute.
Summary
Charles Schwab's 2026 Modern Wealth Survey finds that a majority of U.S. cryptocurrency investors intend to increase their holdings over the next year. According to the survey, six in ten current crypto investors expect to invest more in digital assets in the coming 12 months. That share exceeds the intention to add capital reported by holders of exchange-traded funds (56%), stock investors (52%), bondholders (42%), and mutual fund investors (41%), indicating that crypto currently generates stronger expansion intent than any other asset class measured.
Growth is concentrated among younger investors. The survey found that millennials are the demographic most likely to own cryptocurrency, with ownership rates more than four times higher than among Baby Boomers. Publisher summaries of the same survey cite 64% of Millennial crypto owners planning to buy more, ahead of ETFs, stocks, bonds and mutual funds.
Joe Vietri, Head of Digital Assets at Charles Schwab, attributed the momentum largely to younger generations. "Existing cryptocurrency investors are certainly leaning in, particularly younger investors who are driving much of the interest and momentum in cryptocurrency," Vietri said. "But to me, the bigger story is that cryptocurrency is increasingly viewed as a complement to traditional investments."
Overall ownership continues to expand. The report indicates that one in five Americans currently owns cryptocurrency, while another one in five is interested in making a first purchase. Among all investors surveyed, nearly half reported owning crypto assets.
Charles Schwab, a leading U.S. financial services firm known for brokerage, banking and wealth management, is the largest custodian for registered investment advisors in the country.
Growth is concentrated among younger investors. The survey found that millennials are the demographic most likely to own cryptocurrency, with ownership rates more than four times higher than among Baby Boomers. Publisher summaries of the same survey cite 64% of Millennial crypto owners planning to buy more, ahead of ETFs, stocks, bonds and mutual funds.
Joe Vietri, Head of Digital Assets at Charles Schwab, attributed the momentum largely to younger generations. "Existing cryptocurrency investors are certainly leaning in, particularly younger investors who are driving much of the interest and momentum in cryptocurrency," Vietri said. "But to me, the bigger story is that cryptocurrency is increasingly viewed as a complement to traditional investments."
Overall ownership continues to expand. The report indicates that one in five Americans currently owns cryptocurrency, while another one in five is interested in making a first purchase. Among all investors surveyed, nearly half reported owning crypto assets.
Charles Schwab, a leading U.S. financial services firm known for brokerage, banking and wealth management, is the largest custodian for registered investment advisors in the country.
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