South Korea’s Wealthy Shift from Real Estate to Gold & Crypto

South Korea’s rich are reshaping the way they invest. According to the 2025 Korea Wealth Report by KB Financial Group, the nation’s high net worth individuals are gradually moving away from traditional real estate investments and embracing diversified financial assets, including gold and cryptocurrency.

The total number of wealthy individuals in Korea reached 476,000 this year, with their combined financial assets surpassing KRW 3,000 trillion for the first time.

While real estate remains a significant part of portfolios, interest in alternative investments is increasing rapidly, particularly among younger investors who are eager to explore crypto and foreign equities.

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Key Takeaways

1. The proportion of real estate in wealthy Koreans’ portfolios has dropped from 58% in 2011 to 54.8% in 2025.

2. Interest in gold, bonds, ETFs, and cryptocurrencies is growing, reflecting a shift toward diversified investments.

3. Younger investors are driving the trend, focusing on financial investments and virtual assets for future growth.

Real Estate’s Waning Influence

For decades, real estate was the backbone of wealth accumulation in Korea. Residential and commercial properties formed the largest component of wealthy individuals’ portfolios.

However, the 2025 report shows a decline in real estate holdings as a percentage of total assets, from highs above 59% during the pandemic to 54.8% this year.

Even though property values remain high, uncertainties in the real estate market have made wealthy Koreans rethink their strategies.

Reasons for the Shift

• Market volatility and slower growth in new real estate projects

• Rising interest in higher-yielding financial assets

• Greater awareness of risk management and portfolio diversification

While real estate still accounts for nearly a third of total assets, the focus is clearly shifting. Investors are now balancing property holdings with liquid financial assets, savings, and alternative investments, reducing over-reliance on a single asset class.

Read Also: South Korea Crypto Regulation 2025: Mandatory Compensation, Larger Fines & What It Means for Crypto

Rising Interest in Gold and Cryptocurrency

Gold has traditionally been a safe haven during uncertain times, and Korea’s wealthy are increasingly turning to it.

About 32% of surveyed wealthy individuals plan to invest in gold this year, alongside growing interest in bonds and ETFs.

At the same time, cryptocurrency has emerged as a compelling option, particularly for younger investors under 50.

Cryptocurrency Trends

• One-third of the “well-off” surveyed have invested in virtual assets.

• The average portfolio growth of crypto holdings has been 15% annually over the past three years.

• More than 70% of investors have allocated over KRW 10 million to cryptocurrencies.

The appeal of crypto is driven by potential high returns, accessibility, and expectations for long-term growth.

However, investors are also cautious, recognizing the risks associated with regulatory uncertainty and market volatility.

Read Also: Why Most South Korean Crypto Platforms Fail Data Security Standards

Financial Assets and Diversification

Beyond real estate and alternative assets, financial investments are playing a larger role in wealth growth.

Stocks, savings deposits, and liquid financial assets now make up a substantial portion of portfolios.

The 2025 report highlights that profitable financial investments were experienced by 34.9% of wealthy investors last year, significantly outpacing those who faced losses.

Portfolio Adjustments

• Liquid assets such as cash and time deposits increased slightly, providing stability

• Stock allocations grew as investors took advantage of bullish markets

• Diversification strategies now include real assets, financial products, and virtual currencies

The young rich, in particular, are leading this transformation, combining traditional savings with modern investment tools to maximize returns while minimizing risk.

Read Also: 5 Promising South Korean Web3 Projects Highlighted by CertiK

Conclusion

South Korea’s wealthy are clearly moving away from the old model of heavy reliance on real estate.

The combination of gold, financial instruments, and cryptocurrencies offers both protection and growth potential in uncertain times.

For investors looking to explore these opportunities, platforms like Bitrue provide an easier and safer way to trade crypto, manage assets, and diversify portfolios.

By using a trusted platform and staying informed, both established and aspiring wealthy individuals can navigate market volatility and pursue smarter, more balanced investment strategies.

FAQ

Why are South Korean wealthy shifting away from real estate?

Market uncertainty and slower growth in property developments are prompting investors to seek diversified options.

How significant is gold in wealthy Koreans’ portfolios?

Around 32% of wealthy investors plan to invest in gold this year, showing growing interest in safe-haven assets.

Are younger investors leading the move toward crypto?

Yes, investors under 50 are particularly keen on virtual assets and overseas stocks, driving the diversification trend.

How profitable are financial investments compared to real estate?

In the past year, 34.9% of wealthy Koreans profited from financial investments, which is 3.7 times higher than the proportion who experienced losses.

How can new investors safely enter crypto markets?

Using trusted platforms like Bitrue allows investors to trade securely, diversify assets, and manage risk effectively.

Disclaimer: The views expressed belong exclusively to the author and do not reflect the views of this platform. This platform and its affiliates disclaim any responsibility for the accuracy or suitability of the information provided. It is for informational purposes only and not intended as financial or investment advice.