35% of Americans Hold Crypto. Here’s Why That Allocation Terrifies Financial Planners

The Charles Schwab Modern Wealth Survey 2025 found that cryptocurrency now accounts for 10% of the average American investor’s portfolio, compared with 6% for exchange-traded funds and 8% for bonds. For investors in their accumulation years, that mix is a question of preference. For retirees and those within a decade of retirement, the composition introduces ... 35% of Americans Hold Crypto. Here’s Why That Allocation Terrifies Financial Planners