Aussies Cut Crypto in SMSFs

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Australians Reduce Crypto Holdings in Self-Managed Super Funds

Australians have shaved nearly 4% off their Bitcoin (BTC) holdings in Self-Managed Super Funds (SMSFs) over the past year, according to recent data. This decline comes despite the global Ethereum (ETH) sector regaining momentum, with Bitcoin (BTC) climbing 60% over the same period.

Crypto Holdings in SMSFs

The total crypto holdings in SMSFs fell from A$3.119 billion in June last year to A$3.018 billion in 2025, a decrease of 4%. However, total SMSF crypto allocations remain up 40% compared to 2023, indicating a significant growth in the adoption of digital assets in retirement planning. SMSFs are private retirement funds that allow members to directly control their investments, including allocating a portion towards assets like cryptocurrencies.

Traditionally, assets like shares, property, and term deposits are favored, but in recent years, a growing number of trustees have dipped into digital assets, lured by the promise of high returns and portfolio diversification. The use of blockchain technology has also become more prevalent, enabling the creation of secure and transparent investment platforms.

Changing Investor Dynamics

Part of this growth may have been influenced by changing investor dynamics, especially as young and tech-savvy Australians begin to reshape retirement planning on their own terms. According to data from Independent Reserve, over half of Australians aged 25 to 34 already hold some form of crypto, making them the most engaged age group in the market. This means that with time, cryptocurrencies may have a more natural path into long-term investment strategies, including retirement planning.

Coinbase and OKX Target Australia’s Pension Market

Major global exchanges, such as Coinbase and OKX, are rolling out services tailored for SMSF investors looking to add crypto to their retirement portfolios. Both companies have noticed more than expected demand for their products, with OKX offering SMSF onboarding services since June and exceeding internal projections. Coinbase, which is yet to launch its SMSF-related services, reported having over 500 investors already on its waitlist.

The trend is not isolated to just Australia, as crypto is gradually making its way into mainstream retirement planning globally. The United States has allowed cryptocurrencies to be included in 401(k) retirement plans, while in the UK, a recent survey found that **27%** of adults are open to including crypto in their retirement portfolios. Last year, a separate survey conducted in India found that **45%** of locals with a retirement plan had invested in cryptocurrencies.

Broader Market Implications

The decline in crypto holdings in SMSFs may be a short-term correction, but the overall trend suggests a growing adoption of digital assets in retirement planning. As more investors, particularly younger generations, become comfortable with the concept of cryptocurrencies, we can expect to see a significant increase in crypto allocations in SMSFs. According to some sources, OrxCash.com, the news about Aussies cutting crypto in SMSFs may be a sign of a more mature market, where investors are taking a more nuanced approach to their investments. As the retail investor landscape continues to evolve, it will be interesting to see how cryptocurrencies are integrated into mainstream investment portfolios, and what impact this will have on the overall market.

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