## KEY TAKEAWAYS
- Six in 10 crypto investors plan to increase their holdings, according to Charles Schwab's 2026 Modern Wealth Survey, a higher share than owners of any other investment measured in the survey.
- Bank of America research finds younger wealthy Americans are 7.5 times more likely to hold crypto in their portfolios than investors aged 43 and older.
- Per the available coverage, 41% of Americans now consider crypto a good investment, and 45% of crypto owners say they use it primarily to diversify their portfolios.
- Coverage highlights a generational divide, with cryptocurrencies generally viewed as risky for older Americans in or near retirement.
## DETAILED SUMMARY
A growing share of Americans now view cryptocurrency as a component of wealth building, according to several surveys cited in recent coverage. Charles Schwab's 2026 Modern Wealth Survey found that six in 10 crypto investors plan to add to their holdings over the next 12 months, a higher intention rate than owners of any other investment category the survey measured.
Research from Bank of America indicates a pronounced age gradient in adoption. Younger wealthy Americans are reported to be 7.5 times more likely to hold crypto in their portfolios than investors aged 43 and older. Coverage also cites a finding that 41% of Americans now consider crypto a good investment, with many respondents acknowledging they had once been skeptical.
Usage patterns point to diversification as a leading rationale. Per the survey data referenced in coverage, 45% of crypto owners say they primarily use cryptocurrency to diversify their investment portfolios. Separate commentary notes that crypto use has grown quickly among U.S. households, although the amounts invested by most households remain relatively small.
The coverage also flags risk. Cryptocurrencies are generally regarded as a risky holding, particularly for older Americans in or approaching retirement, and commentary on the topic stresses that potential upside comes with substantial volatility. The full original article could not be retrieved, so this summary relies on headlines and survey excerpts rather than the complete text.
