In Australia, self-managed superannuation funds (SMSF) saw a 4% year-on-year decline in crypto investments, against the backdrop of rising Bitcoin prices.
Decline in Crypto Investments in Australia
According to the Australian Taxation Office, the crypto holdings within SMSFs decreased to A$3.02 billion in June 2025, down from A$3.12 billion. This decline occurred even as Bitcoin surged approximately 60% during the same period, highlighting a disconnect between market performance and retirement investment behavior.
Demographics of Crypto Owners
Most SMSF members are older individuals, with 96.7% above the age of 35. However, the highest rates of cryptocurrency ownership are observed among younger Australians aged 25-34, at 53%. This demographic trend may significantly alter SMSF crypto holdings as younger investors begin planning their retirement.
Future of Digital Assets in Pension Funds
Major cryptocurrency exchanges like Coinbase and OKX are developing SMSF offerings, anticipating growth in the integration of digital assets within retirement savings. The recent U.S. executive order permits Bitcoin in retirement plans, indicating global trends towards cryptocurrency acceptance.
Despite the current decline in investments, the significant interest from younger Australians in cryptocurrencies may signal future growth opportunities for digital assets in pension funds.
