2024 Global Retail Investor Outlook 2025

Market unpredictability and needs for liquidity can make it challenging for investors to find investment allocation strategies optimized for their personal financial needs Investors are hesitant to invest across major asset classes due to concerns about the unpredictability of returns –/uni00A0e.g. stocks (32%), crypto (30%), forex (30%), commodities (28%) –/uni00A0highlighting a broader worry about uncertain market outcomes. of non-investors do not participate in capital markets due to concerns of losing money. of non-investors are uncomfortable with loss in the short or long term.Why have you decided not to invest in this product? Investor respondents across all products tested 40% 67% 18%Don’t understand it Too unpredictable Does not align with my financial objectivesDon’t trust this productDon’t know how to access it26%21% 21%15% 12% of non-investors do not participate in capital markets due to concerns about not being able to access their money when needed.CASE STUDY 4 Innovative product design to guide through volatile markets Buffered ETFs offer a pre-determined return range over a set “outcome period” and can shield retail investors from much- feared market volatility swings. With a staggering 85% compound annual growth rate (CAGR) over the 2020–2024 period, there are now roughly 330 buffer ETFs available for purchase collectively gathering over $50 billion in assets under management.28 While higher-than-average fees and the need to comply with a pre-agreed holding period to reap full contract benefits are still limiting adoption, buffer ETFs have been among the fastest growing classes of ETFs over recent years.Investor support for navigating market volatility Page 35 Seamless access to professional advice in times of market instability can be a key stabilizer of retail investor behaviour. 63% of investors would invest more if a financial adviser/coach recommended it. Page 35 Contextual guidance during market volatility can boost retail investor confidence. In-app nudges or timely support can proactively address short-term loss concerns. 15% greater likelihood of choosing dividend-reinvesting products when educated contextually in app27 2024 Global Retail Investor Outlook 34