Crypto Assets Most Often Combined with NISA; 992 Investors Share Their Diversification Strategies Using NISA and Stocks

What is the allocation ratio for crypto assets (virtual currency) x NISA x stocks? Portfolio strategies of 992 investors | Clabo Inc.

Clabo Inc. (Headquarters: Minato-ku, Tokyo; Representative Director: Ikuma Ueno) conducted a "Survey on the Actual Status of Allocation and Portfolio Strategies for Crypto Assets and Other Assets" targeting 992 individuals with experience in crypto asset investment in Japan.

The survey revealed a surprising reality: only 7.9% of investors exclusively allocate funds to crypto assets, with approximately 95% of investors practicing diversified investment by combining crypto assets with other assets such as NISA and stock investments.

The largest segment, 38.8%, allocates "30% or less" of their portfolio to crypto assets as a sub-investment. The current mainstream approach is a prudent investment style that solidifies "defense" through NISA and investment trusts, while utilizing crypto assets as a high-growth satellite asset.

This report details the process of accelerating diversification into traditional safe-haven assets like gold and real estate as household income and total investment amount increase, as well as the clear polarization in allocation ratios between short-term traders and long-term holders/accumulators.

View the full survey results

Approximately 95% of crypto asset investors practice diversified investment by combining with other assets

Investment trusts combined with NISA are most common at 22.4% due to the spread of new NISA

What is the allocation ratio for crypto assets (virtual currency) x NISA x stocks? Portfolio strategies of 992 investors | Clabo Inc.

Among those who invest in crypto assets, the proportion of individuals also investing in other financial products is extremely high. Specifically, the implementation rate for "investment trusts and NISA" reached 22.4%, clearly indicating a stance of aiming for steady asset formation while utilizing tax-advantaged systems.

Influenced by the new NISA system launched in 2024, an increasing number of investors are combining high-risk, high-return crypto assets with stable index investments. "Stock investment" also boasts a high combination rate of 19.5%, suggesting that investors are constructing portfolios by balancing traditional financial assets with digital assets.

On the other hand, only 4.3% responded "doing nothing," highlighting that approximately 95% of crypto asset investors practice some form of diversified investment. It can be said that extreme risk-taking solely with crypto assets is no longer the mainstream for today's investors.

In their 30s, both NISA and stock investment combination rates exceed 20% at high levels

What is the allocation ratio for crypto assets (virtual currency) x NISA x stocks? Portfolio strategies of 992 investors | Clabo Inc.

Looking at trends by age group, individuals in their 30s show a particularly active inclination towards combining investments, with 24.1% utilizing investment trusts and NISA, and 21.8% engaging in stock investment, both high levels compared to other age groups. This generation, with a strong awareness of future asset formation, tends to view crypto assets as a growth vehicle while steadily building foundational assets.

In their 20s, the implementation rate for FX is 11.2%, higher than other generations, indicating a pursuit of capital efficiency with more volatile products. In contrast, those in their 40s and beyond show stable allocation to NISA and stocks, reflecting adjustments in risk tolerance according to life stages. The penetration of a two-tiered strategy, with "defensive" NISA and "offensive" crypto assets, primarily among the working generation, is thought to be driven by the spread of financial education and the digitalization of information. This demonstrates a high level of literacy in flexibly utilizing multiple options without being fixated on specific assets.

Households with an annual income of 12 million yen or more accelerate diversification into real estate and gold

What is the allocation ratio for crypto assets (virtual currency) x NISA x stocks? Portfolio strategies of 992 investors | Clabo Inc.

Data confirms a "law of asset diversification" where the variety of investment destinations clearly expands as household income increases.

For those with an annual income of 12 million yen or more, not only do NISA and stock investment rates exceed 30%, but allocation to real estate investment (14.7%) and gold (13.9%) also significantly increases.

Investors with greater financial leeway tend to allocate profits from crypto assets to other real assets or income-generating assets, thereby enhancing the robustness of their overall portfolio.

In the income bracket below 4 million yen, NISA remains at 15.6%, showing a tendency to concentrate on crypto assets and investment trusts that can be started with small amounts.

Notably, interest in traditional defensive assets such as "bonds" and "real estate" rapidly increases beyond an annual income of 8 million yen.

This is presumed to be part of an exit strategy, where investors aim to convert profits earned from crypto assets into "hard assets" once a certain asset scale is reached.

Sub-investment of 30% or less accounts for the largest share at approximately 40%

Prudent investors keeping crypto assets as sub-investments account for 38.8%, ranking first

What is the allocation ratio for crypto assets (virtual currency) x NISA x stocks? Portfolio strategies of 992 investors | Clabo Inc.

When investigating the proportion of crypto assets in portfolios, the most common result was "30% or less as sub-investment," with 38.8% of investors.

This highlights that most investors do not use crypto assets as the main pillar of their asset building but rather incorporate them in a limited capacity as surplus funds or growth components.

Following this, "about half" was the response for 28.4%, indicating a considerable number of investors who hold a balanced mix of crypto assets and traditional assets.

On the other hand, the "crypto assets only" concentration group remained at a mere 7.9%, suggesting that risk diversification in investment behavior has become generalized.

The "core-satellite strategy," which involves holding stable core assets while using crypto assets as an accent, considering market volatility, has become widespread.

This trend suggests that crypto assets have transitioned from being a special speculative target to a component of general personal portfolios.

Short-term traders show a high level of over 15% concentration in crypto assets

What is the allocation ratio for crypto assets (virtual currency) x NISA x stocks? Portfolio strategies of 992 investors | Clabo Inc.

Analyzing fund allocation by investment style, the "70% or more as main investment" category for short-term trading focused individuals was 15.8%, a higher tendency than other styles.

When pursuing profits by utilizing short-term price movements, the intention to maximize capital efficiency by concentrating funds in crypto assets can be inferred.

Conversely, among those who primarily focus on long-term holding and accumulation, approximately 40% or more choose "30% or less as sub-investment," clearly showing a preference for more conservative allocations.

Accumulators, in particular, tend to prioritize the overall stability of their assets by combining NISA accumulation with regular monthly purchases.

The fact that many investors strategically adjust the weight of crypto assets according to their investment objectives indicates the maturity of the overall market.

The current situation clearly shows a division in the optimal portfolio structure based on whether one pursues short-term "offense" or long-term "defense."

For civil servants, nearly half fall into the sub-investment category of 30% or less in crypto assets

In terms of fund allocation by occupation, 48.1% of civil servants responded "30% or less as sub-investment," showing the most conservative tendency among all occupations. Given the nature of their profession, they tend to prioritize stability and cautiously handle crypto assets as only a portion of their assets.

In contrast, among self-employed individuals, "70% or more as main investment" reached 19.4%, indicating a relatively large proportion of individuals who take risks to aim for high returns. Their ability to manage funds at their own discretion may lead to a more aggressive allocation to crypto assets.

For company employees and housewives, "sub-investment" is also the most common category, indicating that they generally incorporate crypto assets within a manageable range while considering household finances and future preparations. The stability of their livelihood and the nature of their income are strongly reflected in sophisticated investment decisions regarding crypto asset allocation.

As total investment increases, diversification expands from NISA to stocks and real estate

Summary

For the detailed report including the above content, please refer to the main article.

Survey Overview

Survey Date: March 23, 2026

Survey Method: Internet Survey

Target Audience: Men and women residing in Japan (those who have invested or have experience investing in crypto assets)

Valid Responses: 992

Executing Organization: Clabo Inc.

Survey Questions

Have you ever invested in virtual currency?

Please indicate the closest amount to your total investment in virtual currency to date.

Please indicate your primary investment style.

Besides virtual currency, what other investments/asset management are you currently undertaking?

Regarding crypto assets and other investments (stocks, NISA, etc.), please indicate the closest approach to your fund allocation strategy.

View the full survey results

Disclaimer Regarding Crypto Asset Investment

This report is for informational purposes only and does not constitute any investment solicitation or advice. Crypto asset investment involves high risks, and investment decisions should be made at your own risk. No warranty is provided regarding the accuracy, completeness, or usefulness of the content of this report. Please make your final investment decisions independently and seek professional advice if necessary.

Clabo Inc. also offers consultations on security measures, preservation procedures, and crypto assets, including wallet recovery.

If you have any concerns related to crypto assets, please utilize our initial free consultation service.

While consultations regarding scams and other troubles are available, please also consider utilizing the following public and administrative consultation services.

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Survey Entity: Clabo Inc.

Official Report: https://www.clabo-inc.co.jp/media/articles/crypto-asset-allocation-strategy-survey

Press Release: https://prtimes.jp/main/html/rd/p/000000054.000178703.html

Consultation with Clabo (Initial Free): https://www.clabo-inc.co.jp/contact

Company Profile

Clabo Inc.

Location: 16F, Ark Hills South Tower, 1-4-5 Roppongi, Minato-ku, Tokyo 106-0032

Representative Director: Ikuma Ueno

Established: July 2025

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