2024 Global Retail Investor Outlook 2025

Calls to action: market cycles and inflation Page 32+41+52+59 Policy-makers and governmentsProactively address pension gap challenges by expanding auto- enrolment measures and promoting the distribution of effective complementary contribution schemes. Enhance disclosure-focused regulations on financial product distribution with frameworks that encourage proactive investor engagement and guidance across different life cycle phases (selection, holding, divestment). Page 32+41+52+59 Traditional financial institutionsDesign and create offering of products and services purposely designed to mitigate retail investors’ volatility concerns and hesitation to stay invested over the long term. Enhance transparency and communication on debt offerings, and offer flexible products and proactive assistance, such as adaptable repayment plans and fee reductions. Fintech and other tech companiesCreate affordable and scalable financial advice solutions that meet the needs of new retail investors, ensuring that women, younger individuals and those from emerging markets can access quality guidance. Build intuitive and holistic wealth platforms that provide retail investors with a comprehensive view of their portfolio, enabling them to make more informed decisions and track their progress over time.Exchanges and infrastructure playersEnsure the responsible design of leverage trading services at a market intermediary level in order to mitigate risks coming from rising debt levels among vulnerable retail investors. Encourage collaborative information-sharing to reduce inefficiencies in disconnected service ecosystems and support the delivery of data-driven, context-aware investor solutions. (Other) private sector and NGOsPartner with educational institutions and employers to offer financial literacy programmes that are aligned with the needs of retail investors, particularly those from underserved demographics, also supporting them in navigating market turmoil. Encourage proactive retirement planning via employer- employee relationship. Traditional media and social media playersSystematically enable and underpin financial education dissemination campaigns addressing key investing literacy topics such as retirement planning and debt management. Promote trust in the financial system through the orchestration of collaborative public-private awareness-building campaigns, employing both traditional and new media channels. 2024 Global Retail Investor Outlook 40