Regarding younger investors compared to experienced, there was a significant shift in the field of retail investment. The report shows that younger investors have started investing earlier than previous generations.
According to the global retail investor of the World Economic Forum Outlook 2024, which covered 13 economies, 30 % of the gene from early adulthood, compared to mere 9 % of Gen X, 6 % of baby boom and 15 % millennia. According to the workforce input, 86 % of the gene gains knowledge of personal investments compared to 47 % of the boom, emphasizing an extensive generation shift in financial habits.
Research has developed with Robinhood Markets and Boston Consulting Group and underlines the openness of younger generations to technological advances in finance. In particular, the 41 % of the Z and Millennials gene is willing to rely on AI for investment management, compared to only 14 % of Baby boom.
The cryptocurrency is perceived as more understandable than traditional investments such as ETF, mutual funds, bonds and shares from younger investors, with more than half of them assigned a third of their portfolios. While 29 percent avoids reserves due to lack of understanding, only 24 percent say the same about crypto.
The study also emphasizes the shift in financial priorities, with 51 % of investors in 2024 favored emergency savings, compared to 41 % in 2022. At the same time the focus on retirement reduced from 48 % to 42 %. The lack of funds and the fear of financial loss remains the main obstacles for non -investors, with more than half reporting that they would feel more confident if investing was taught at elementary school.
“Innovative Financial Advisory Tools, such as AM Products, could fill gaps where traditional financial counseling can be too expensive or out of reach,” said Stephanie Guild, CFA, director Robinhood.
Usage technology is perceived as a way to increase the availability and availability, which makes financial advice more inclusive and seizes retail investors to participate in markets with greater certainty.
Dean Franko, CEO of BCG, stressed that “individual participation in capital markets has the potential to allow long -term financial well -being”. The report proposes to create financial products that provide individual investors, solve obstacles such as uncertainty and volatility of market, and carry out policies that equip investors with the necessary tools for safe market navigation.
