Aussies can manage their own retirement funds, Self-Managed Super Funds, or SMSFs if you wanna get fancy.
Now, the Australian Taxation Office just dropped a report saying these DIY retirement accounts trimmed their crypto stash by about 4% compared to last year.
So, despite Bitcoin blasting up roughly 60% in price, SMSF crypto holdings slid. Seems like a puzzler, doesn’t it?
Delayed numbers
First and all, don’t jump to conclusions just yet. Simon Ho, the head of SMSF strategy over at Coinstash, was quick to reveal to the crypto industry that this 4% dip is probably undercooked.
The official numbers track with tax filings locked in at June 30, 2025, due next year, meaning people’s crypto moves after that date aren’t showing up quite yet.
Translate, it looks like those crypto reserves are growing way faster than what the current stats let on.
What’s really eye-popping? Compared to June 2023, SMSF crypto holdings jumped 41%.
Two years ago, Australia threw down the gauntlet for clearer crypto regulations, sparking big interest at the grassroots level.
Chainalysis dubbed the Asia-Pacific region the global hub for crypto activity, and these retirement savers are part of that story.
Crypto laws are priority
SMSF members skew older, with nearly 97% over 35 years old and the biggest chunk, 13.7% falling between 75 and 84 years old.
But Australian crypto exchanges know what’s coming. Young guns aged 25–34 are leading the race, with over half owning some crypto assets already.
That crowd? They’ll be entering retirement soon, and wallets are primed to get fatter.
Exchanges like Coinbase and OKX are already preparing the battleground, rolling out services tailored specifically for SMSFs.
This push follows calls for the newly reelected Labor government to make crypto laws a priority. Australia doesn’t want to be the slowpoke while the rest of the world races ahead.
Global trend
Speaking of the world stage, crypto retirement planning is a global thing, not just an Aussie thing.
Across the pond, 27% of UK retirees say they’re open to crypto in their pension pots. Over 40% cited the lure of bigger returns.
Even in the US, President Donald Trump signed an order letting 401(k) plans include Bitcoin and the crypto gang, signaling a shift toward mainstream acceptance.
The question now, how fast will the next generation flip the script and flood those retirement accounts with digital gold?
Disclosure:This article does not contain investment advice or recommendations. Every investment and trading move involves risk, and readers should conduct their own research when making a decision.
Kriptoworld.com accepts no liability for any errors in the articles or for any financial loss resulting from incorrect information.
Cryptocurrency and Web3 expert, founder of Kriptoworld
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With years of experience covering the blockchain space, András delivers insightful reporting on DeFi, tokenization, altcoins, and crypto regulations shaping the digital economy.
📅 Published: September 8, 2025 • 🕓 Last updated: September 8, 2025
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