2024 Global Retail Investor Outlook 2025

AI solutions can support the design and delivery of personalized and interactive financial education journeys Respondents who selected AI chatbotHow did you learn how to invest? Investor respondents Singapore US France UK Germany Ireland Australia JapanDeveloped Emerging India25% United Arab Emirates20% China20% South Africa14% Brazil10%Educational resources from financial institutions29%45% Friends, family or colleagues32%37% Financial adviser25%35% Traditional media resources28%29% Social media15%34% External education courses15%31% Robo-adviser or Digital- adviser7%17% Learning by doing40%43% AI Chatbot8%18% Education in lower or secondary school9%13% Education in university or graduate studies15%21% Emerging economies Developed countries11%9% 5%7%8% 8% 8%6%Making investment decisions In total, 77% of investors reported that an easy-to-understand investment product or strategy is essential when making portfolio allocation decisions, and lack of understanding is the top reason behind investors opting out of investing in key asset classes (e.g. for bonds, derivatives ETFs and mutual funds).AI chatbot-facilitated investing journeys 28% of investors use AI chatbots to gather financial decision-making guidance. Among Gen Z and Millennial respondents, approximately 24% stated that access to an AI chatbot assistant provided by a financial institution would increase trust towards that institution. 2024 Global Retail Investor Outlook 56