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London, United Kingdom, Dec 01, 2025, The idea of holding Bitcoin or Ethereum inside a retirement account would have sounded impossible not long ago. Today, it is not only possible, it is becoming a natural step for Canadian investors looking to build wealth inside RRSPs, TFSAs, and even institutional pension plans. Liam Wiess, Head of Market Strategy at 21VC.io, calls this a generational turning point in how Canadians think about their financial future.
Wiess argues that crypto is no longer simply a technology story. It is now an asset class with real staying power, and perhaps more importantly, one that behaves differently than traditional holdings. That has created a rare opportunity for registered plan investors, the chance to diversify without abandoning long term discipline.
“Crypto gives Canadians something they have not had before,” Wiess explains. “A growth asset that lives outside the traditional financial system, but can now be held inside regulated retirement accounts.”
Canada’s approval of Bitcoin and Ethereum ETFs changed everything. Investors can now add crypto exposure to registered plans without opening specialized wallets or navigating offshore platforms. The simplicity of ETF access brings crypto inside the same structure as blue-chip stocks, something unthinkable just a few years ago.
This matters even more for long duration investors. RRSPs and pension plans are built on compound growth, and crypto has shown it can deliver powerful returns across cycles of many years. Even modest exposure can materially shift the trajectory of a portfolio.
A Parallel System Meets a Regulated One
What makes this moment unique is the merging of two worlds. Traditional investment vehicles now sit beside digital assets designed for a decentralized economy. Instead of forcing investors to choose, the Canadian regulatory environment has allowed them to combine both.
That gives 21VC an advantage. The firm has built its thesis around the rise of digital assets as institutional capital flows in. Wiess notes that this shift is accelerating, not slowing. Pension committees, wealth managers, and registered investment dealers are now analyzing crypto allocation the same way they once approached emerging markets or tech stocks.
The Risk Conversation Has Evolved
Crypto still carries volatility, but the context has changed. Institutional participation has deepened liquidity. Custodians now provide insured, regulatory compliant storage. ETF structures offer transparency and tax reporting that align with Canadian standards.
Wiess emphasizes that the biggest change is psychological. Canadian investors no longer see crypto as a gamble. They see it as a new source of returns that can live inside familiar frameworks.
Most current models suggest only a small portion of a registered or pension account should be allocated toward crypto, typically in the one to five percent range. But even this can create meaningful upside when viewed over a decade.
21VC works with clients who view crypto as a complement, not a replacement. It sits alongside stocks, bonds, and alternative investments, adding resilience and growth potential in a landscape where inflation and monetary uncertainty persist.
A Shift That Is Just Beginning
For Wiess, the key story is not that crypto belongs in retirement accounts, but that the door is now open, and investors are walking through it. Canada’s early regulatory clarity has turned the country into a global leader in digital asset integration.
He believes this moment will be remembered as the start of a new investment era. “Canadian retirement portfolios are evolving,” he says. “Crypto is not the future of investing, it is the present. And now it has a place inside the same system that Canadians have trusted for generations.”
Disclaimer: This article is purely informational and doesn't offer trading or financial advice. Its content is not intended to be investment advice. We do not guarantee the validity of the information, especially when it pertains to third-party references or hyperlinks.
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