A new wave of American investors is reshaping traditional portfolios, moving away from stocks and bonds toward digital assets, commodities, and private funds as confidence in classical strategies declines.
The landscape of American investment is changing rapidly. With rising market volatility and waning trust in conventional assets, more investors in the United States are exploring alternative investments such as cryptocurrency, gold, oil, and hedge funds. According to a recent survey by Charles Schwab, nearly 45% of investors are now seeking exposure to these non-traditional asset classes — signaling a deep shift in wealth management trends.
Alternative Assets Gain Ground
The report reveals that two-thirds of U.S. investors believe that the traditional mix of stocks and bonds is no longer enough to build a strong portfolio. This shift is supported by the explosive growth of exchange-traded funds (ETFs) tied to alternative markets. In 2025 alone, over $1 trillion has been invested in U.S. ETFs, with a significant share flowing into crypto and gold-based funds.
Financial strategist Cathy Curtis, director of Curtis Financial Planning, notes, “ETFs have opened the door for everyday investors to access complex assets with less risk and more flexibility.” She adds that alternative investments should make up no more than 5% of smaller portfolios, while larger portfolios can allocate up to 15% for better diversification.
Younger Investors Driving the Shift
The transformation is especially strong among Millennials and Generation Z, who view digital assets as a path toward greater financial independence. Analysts describe this trend as a generational realignment—a response to years of low yields and institutional distrust.
A senior market analyst explains, “Younger investors see crypto and commodities not as speculative bets, but as symbols of control and freedom in an uncertain economy.”
Regulatory Support Fuels Growth
Recent regulatory changes have accelerated this movement. The Trump administration’s executive order allowing alternative assets in retirement plans has opened new opportunities for millions of Americans. Simultaneously, the SEC’s approval of spot crypto ETFs has made digital investments more accessible to mainstream investors.
As Bitcoin and Ethereum ETFs rebound, the U.S. market is entering a new phase of diversification, where innovation and flexibility are replacing outdated portfolio models.
Disclaimer
This content is for informational purposes only and does not constitute financial, investment, or legal advice. Cryptocurrency trading involves risk and may result in financial loss.