According to the 2026 Modern Wealth Survey by Charles Schwab, 64% of Millennials who currently hold digital assets plan to increase their investments over the next 12 months. This preference places cryptocurrencies ahead of traditional assets like ETFs, which were selected by 56% of respondents, and stocks, which were chosen by 52%.
The study, published around October 7, 2026, involved 2,000 American participants aged 21 to 75. Data collection took place between August 24 and September 17, 2026. Currently, 33% of Millennials report owning cryptocurrency, while the ownership rate among Gen Z stands at 22%.
Beyond portfolio expansion, the survey highlights a shift in how investors approach digital assets. More than 40% of Americans familiar with the sector expressed interest in direct ownership of Bitcoin or Ethereum, rather than utilizing tracking funds or financial products.
