U.S. Investors Retreat From Crypto as Risk Appetite Wanes
American traders are dialing back exposure to volatile assets as risk tolerance plummets to post-bull market lows. A FINRA Foundation survey of 2,861 U.S. investors reveals only 8% now embrace substantial risk—down from 12% in 2021. The retreat is most pronounced among those under 35, where risk tolerance halved from 24% to 15%.
Paradoxically, 34% of respondents believe aggressive risk-taking remains necessary to achieve financial goals—a conviction held by 62% of younger investors. "These findings illuminate how macroeconomic conditions and generational shifts are reshaping investment behaviors," notes FINRA Chief Economist Jonathan Sokobin.
Cryptocurrency ownership remains stagnant at 27% since 2021, but purchase intent dropped seven percentage points to 26%. The data suggests crypto's speculative allure is dimming even as institutional adoption progresses.
