2024 Global Retail Investor Outlook 2025

Early participation can unlock key benefits, including a longer compounding window for investments and the ability to weather market cycles Younger individuals start participating earlier in capital markets, with 36% of Gen Z prior to entering the workforce compared to 8% of Baby Boomers. They are also more confident about their decision-making, with 48% reporting confidence around their ability to understand financial terminology, vs. 36% of Gen X and 24% of Baby Boomers). Employer-sponsored schemes are recognized as an excellent starting point for an individual’s investment journey, as they provide a platform for initiating frequent contributions while often including access to unbiased guidance.CASE STUDY 1 Young investor-targeted financial education journeys in India In India, fintech companies such as StockGro are transforming the financial literacy space by offering Millennial-/Gen Z-targeted learning journeys that address the gaps in available financial education programmes. By providing features such as virtual investing training environments, in-platform social chats, bite-sized learning content and key opinion leaders vetting, StockGro is actively supporting the upbringing of a new generation of young investors in India, while aiming to protect them from unreliable information sources and online misinformation.Investor respondents All respondents of Gen Z and Millennial investors had parents with investment accounts, compared to 34% of Gen X and 22% of Baby Boomer investors.of Gen Z and Millennials feel confident about their ability to understand financial markets and make sound investment decisions, compared with 27% of Gen X and 20% of Boomers.of Gen Z and Millennials invest in international markets compared with approximately 35% of Gen X and Baby Boomers, denoting a milder “home country bias”.~50% ~40% ~45%2%Millennials Gen X Baby BoomersGen Z In adolescence In early adulthood When I entered workforceYears after entering workforceIn retirement6%2% 1% 2%30% 15% 9%6%36% 37% 27%24%22%43%58% 51% 13%Approximately 23% of Gen Z and Millennials invest through an employer-provided schemeWhen did you start investing? Investor respondents 2024 Global Retail Investor Outlook 21