Ukrainians' Investment Strategies

In the new economic reality, Ukrainians are increasingly rethinking approaches to saving and capital growth. Amid full-scale war, inflation, currency fluctuations, and uncertainty, traditional financial models are no longer perceived as the only reliable ones. The focus is on diversification.

To understand how exactly Ukrainians' investment strategies are changing, Ipsos and the crypto exchange WhiteBIT conducted a survey in April - May 2025. It included 650 financially active respondents aged 18 to 65 living in cities with populations over 100,000, excluding temporarily occupied territories and active conflict zones.

Key findings:
1. More than half of the respondents are already considering or using alternative investment tools beyond classic savings scenarios (cash and bank deposits). 
2. Digital assets are already among the most popular tools for saving and investing among financially active Ukrainians, along with bank accounts, deposits, and real estate.
3. For Ukrainians with experience in digital assets, cryptocurrency is gradually ceasing to be solely a trading tool. It is increasingly used in a broader financial context as a flexible instrument that combines investment, saving, and funds circulation functions.
4. Despite the growing popularity of digital assets, some respondents still approach them cautiously. This caution is mainly related to the novelty of the technology and the need for a deeper understanding.

Several trends shaping the future of investing in Ukraine can be highlighted based on the research:
- Diversification instead of conservatism. Cash and banks are still the most popular methods, but there is a significant interest in alternative tools.
- A desire for independence. According to experts, in times of military instability, people are increasingly seeking tools that allow them to manage finances independently of the state or banking system.
- Educational potential. A desire to learn more about blockchain and the digital economy is an important driver, opening even more doors into the world of investing.

Conclusions:
Ukrainians are ready to take responsibility for their financial future. Traditional savings tools are being complemented by new ones, from commercial real estate to digital assets. At the same time, cryptocurrency is gradually losing its status as an 'exotic' and becoming one of many financial tools in the modern investor's portfolio.
While the road to widespread adoption continues, today we already observe a transition from saving to investing, from consumer caution to financial activity.

About the Study
The study was conducted by Ipsos commissioned by WhiteBIT (April-May 2025). It included 650 respondents aged 18 to 65 living in cities with populations over 100,000, excluding temporarily occupied territories and active conflict zones. This group comprised 300 financially active respondents who earn income, save money, and do not reject investing in cryptocurrency (or already have experience), and 350 respondents who keep part of their savings in cryptocurrency.