A new study from the Hana Financial Research Institute highlights a significant trend among Korean virtual asset investors: a strong preference for bitcoin ( BTC) as a core holding, with a calculated shift toward diversifying into altcoins and stablecoins as their experience in the market matures. The 2050 Generation Virtual Asset Investment Trend Report paints a picture of virtual assets becoming a serious component of financial and retirement planning.

According to a report, the study found that 27% of the 1,000 financial consumers aged 20 to 50 survyed currently own virtual assets, which comprise 14% of their total financial assets. Some 70% expressed willingness to invest further in digital assets, underscoring growing mainstream acceptance.

A key finding focuses on investor behavior: while 9 out of 10 investors primarily hold cryptocurrencies, 6 out of 10 specifically include BTC in their portfolios. Investors typically hold an average of two types of coins. New investors often concentrate on BTC in the early stages, gradually diversifying into altcoins or stablecoins as they gain more experience and confidence in the market.

This approach aligns with their long-term goals. More than half — 53% — of investors in their 50s hold cryptocurrencies specifically for “preparation for old age,” viewing them as legitimate portfolio assets. Across all age groups, 79% invest to “raise a large sum of money,” and 40% for retirement preparation, far outpacing reasons like “fashion and fun” or “living expenses.” The report also noted a shift from short-term speculation, with regular, planned investments rising significantly from 10% to 34%.

Despite increasing maturity, investors still face hurdles. The biggest inconvenience cited was the inability to link virtual asset exchange accounts with existing bank accounts. Addressing this could significantly boost adoption, with 7 out of 10 investors preferring to use their main bank if restrictions were eased. Market volatility remains a concern (56%), as do exchange and fraud risks among less willing investors (61% each). However, many would consider positive investment if traditional financial companies expanded their role (42%) or if legal regulations were strengthened (35%).

“Virtual assets play a major role within investors’ portfolios,” stated Yoon Sun-young, a researcher at Hana Financial Research Institute. “Investors expect legal institutionalization and expansion of the role of the existing financial sector.” Sun-young emphasized the need to proactively prepare the investment ecosystem by diversifying virtual asset-based financial products, upgrading integrated investment management, and fostering collaboration with the virtual asset industry.

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