# JPMorgan Report: Retail Investing and Crypto

**Published:** 2025-08-27T07:00:00.000Z  
**Topic:** Crypto Adoption  
**Sentiment:** neutral  
**Publisher:** TrendWatcher — https://www.trendwatcher.in/article/0a2e98c0-d4e3-45ba-bf57-0c8001af2233

JPMorganChase Institute data shows retail investing is up, with crypto adoption concentrated among younger, higher-income men despite new ETF pathways.

Retail investing in the US has grown dramatically over the past decade, with activity levels in early 2025 reaching or exceeding peaks recorded during the pandemic, according to reports from the JPMorganChase Institute [1]. The research, which analyzes anonymous banking and transaction data, indicates that households are investing at rates far above those observed a decade ago, even as household savings rates have hovered around 4-5% [1].

**Key takeaways**
*   Investing activity among low-income households in May 2025 was roughly five times greater than the 2010–2015 average [1].
*   Only 17% of active checking account holders transferred funds into crypto between 2017 and 2025, compared to one-third for traditional assets [1].
*   More than 20% of Gen Z and Millennial households have invested in crypto, while men in these cohorts are three times as likely to participate as women [1].
*   Charles Schwab has launched direct spot crypto trading for its

## Sources
1. Investmentnews — [Retail investing activity has been rising for a decade, crypto...](https://www.investmentnews.com/wirehouses/retail-investing-activity-has-been-rising-for-a-decade-crypto-adoption-is-more-niche/261894)
2. 24/7 Wall St — [Bitcoin News: Why Schwab’s $12 Trillion Crypto Launch Is Bigger Than Investors Realize](https://247wallst.com/investing/2026/05/13/bitcoin-news-why-schwabs-12-trillion-crypto-launch-is-bigger-than-investors-realize/)

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Cite as: TrendWatcher, "JPMorgan Report: Retail Investing and Crypto", https://www.trendwatcher.in/article/0a2e98c0-d4e3-45ba-bf57-0c8001af2233