Young German investors are favoring cryptocurrency over traditional precious metals while increasingly relying on artificial intelligence tools for financial decisions, according to a new study.
The survey reveals a generational divide in both asset preferences and technology adoption within Germany's investment landscape.
Börse Stuttgart's crypto platform BISON commissioned the research through Marketagent, which surveyed 2,000 Germans aged 18-70 between August and September 2025.
What Happened
Among 30-39 year-olds, 27% invest in cryptocurrencies compared to 24% in precious metals.
Nearly half of surveyed crypto investors (48%) view holdings as long-term retirement savings.
AI adoption patterns demonstrate stark generational differences.
Half of 19-29 year-olds consider AI tools like ChatGPT important for financial decisions.
Among Germans over 60, only 12% rely on AI for investment choices.
The study revealed significant trust gaps based on education and income.
Fifty percent of respondents with high school diplomas trust Germany's financial industry, compared to 33% without credentials.
High earners show 55% confidence in financial markets, while those with below-average incomes register only 21% trust.
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Why It Matters
The findings illustrate how younger Germans are reshaping investment strategies through digital assets and AI-assisted decision-making.
The preference shift from gold to crypto among millennials and Gen Z marks a departure from traditional safe-haven asset allocation.
Dr. Ulli Spankowski, BISON's co-founder and CEO, previously stated that "cryptocurrencies have established themselves as a serious alternative to the traditional financial system."
The AI adoption gap suggests technology is democratizing financial knowledge access for younger investors.
However, the trust divide based on education and income highlights persistent barriers preventing broader market participation.
Lower-income Germans invest less frequently and report feeling poorly informed about financial opportunities.
The research indicates Germany's financial landscape is splitting into two distinct worlds with dramatically different access levels and investment behaviors.
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