8月1日,北京:

Jim Walker和Aanchal sandhu是中央一号的机构

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千禧一代的投资比以往任何时候都要多——为什么?

据广泛报道,千禧一代抵制投资, instead favoring low risk savings accounts and term deposits to save for retirement. 随着时间的推移,这种反向风险的做法会对回报产生戏剧性的影响. 用一个简单的在线分析 储蓄计算器 将规避投资的潜在成本(I.e.: not investing in the markets) in the millions by the time a current 25-year-old millennial retires at 65.

最初的储蓄图表

The chart and table highlight the dramatic difference in retirement savings after a 40-year period.

40年后的退休储蓄

 

千禧一代在大流行期间进行投资的有力案例

New reports suggest that Millennial spending and investing during the COVID-19 pandemic is vastly different than the way Millennials managed their money in 2019.

A spike in new accounts at online brokers show that young and inexperienced investors saw the coronavirus downturn as an entry point into the world of investing and not a time to hunker down and stuff money under the mattress.

主要网上经纪公司包括 嘉信理财TD AmeritradeEtrade and Robinhood have seen growth in accounts spike by as much as 170% in the first quarter of 2020, when stocks experienced the fastest bear market and the worst first quarter in history. But some younger consumers have embraced the economic downturn as an opportunity to buy stocks, 最明显的是, 熟悉科技股.

Wealthsimple的 3月份,客户总数增加了54%. 今年4月,该网站每周新增用户7000人. 据本·里夫斯说, WealthSimple的首席投资官, 55%的新客户年龄在34岁以下.

Robo-advisory firms such as Justwealth also appeal to younger investors with modest investment funds. Andrew Kirkland, Justwealth’s president, said the generation makes up about a third of his clientele. 现在,签约的大部分新客户都在24岁至35岁之间.

为什么千禧一代会转向DIY投资?

DIY investing has become increasingly mainstream for a variety of reasons perhaps including the proliferation and greater understanding of ETFs and the online based platforms that sell them. 另外, 互联网上充斥着各种文章, 教程, 以及如何投资的视频, 也许是鼓励年轻投资者管理自己的投资.

数字 investment platforms have also lowering investment minimums making it easier to get started with a small deposit. +, 不需要尴尬或耗时的会议, 一切都是在客户方便的时候进行的.

许多DIY投资者可能也更喜欢通过应用程序进行投资, which have smooth or frictionless on-boarding processes and instant investment options.

一些比较知名的应用包括:

  1. 改善 引入了具有社会意识的投资组合选项, which seems custom-built to appeal to millennials’ values-driven sensibilities. 改善以承诺个性化而闻名, 专业级别的财务咨询,无需专业级别的费用.
  2. Wealthfront 提供比改善更广泛的投资产品, 包括529个储蓄账户和另类资产类别, 比如自然资源和房地产. 它还提供了一个名为Path的数字财务规划工具, which helps users adjust their long-term goals of saving money as their financial situation changes with things like new jobs, 孩子们, 和家庭购买.
  3. Wealthsimple 比改善或Wealthfront的管理费更高 .40% – .50%,与公寓相比 .Wealthfront and 改善每年收取25%的费用. 像改善, Wealthsimple offers a range of socially responsible investment (SRI) options to appeal to values-driven millennial investors.
  4. Ellevest seeks to differentiate itself in the crowded robo-advisor market by targeting its services specifically at women. The company says that it designs its products to account for the unique financial needs that women have, 例如延长寿命和承担照顾儿童和老人的义务.
  5. 又是一款微型投资应用吗, built its platform around the promise of empowering users to invest in portfolios that align with their values. 这将吸引千禧一代, who are 2 times more likely than other investors overall to make impact investments.

为什么千禧一代以前不投资?

Some millennials were putting off investing because they viewed saving cash for a down payment on a home as a more urgent priority. While Millennials may have high levels of education and are comfortable with technology, they also face significant challenges when it comes to saving and investing their earnings. 安大略证券委员会在2017年报告:

  • 虽然千禧一代的收入比X一代高, 千禧一代也受到了住房的挤压, 交通, 教育费用的增长比收入增长更快.
  • 68% of millennials who don’t invest said they have “other financial priorities,53%的人认为债务是投资的一个具体障碍.
  • 除了偿还债务, 许多千禧一代认为有房是他们财务上的首要任务.
  • 59% of millennials who don’t invest said they don’t understand enough about investing to get started.
  • Relatively few millennials reported having high knowledge of investing or investment products.
  • 57% of millennials who don’t invest said they’re worried about losing money in the financial markets—even though younger investors generally are best placed to wait out periodic downturns and reap significant long-term gains in the markets—and 30% said they “don’t trust big banks or investment firms” with their money.

新冠疫情让千禧一代开始认真审视自己的消费习惯

根据德勤最新发布的2020年千禧一代报告 调查, millennials expressed a strong commitment to financial responsibility and saving, 以及政府对疫情应对措施的正面评价, 业务, 和他们自己的雇主.

A key takeaway from the study found that long-term finances are a top cause of stress, 但超过一半的千禧一代, 以及近一半的z世代, 正在攒钱.

Additional findings from the report that 调查ed consumer pre and current pandemic:

Getting started in the investment world can be intimidating and first-time investors shouldn’t be made to feel that their initial investments are too small to warrant professional advice. 银河076注册的目标, especially during a market downturn is to seek advice and perhaps take advantage of opportunities to purchase lower priced stocks, 共同基金或etf. This would especially be a good time to set-up weekly contributions to dollar cost average during turbulent times.

Investment firms like WealthBar or WealthSimple are making the above increasingly accessible.

信用社需要考虑的其他因素包括:

  • 推荐计划是任何金融机构必须的. 如果信用社没有的话, 有人建议开发一两个, 即使是像财富管理这样目标明确的服务. 一个高质量的领导是值得投资的.
  • Canadians are awakening to the need to be better stewards of the country’s sustainability. Ensure that socially responsible investments are clearly noted as an option when speaking to their members about investment opportunities.
  • 对大流行后消费者有吸引力的沟通至关重要. The world has awoken to a new reality any many realize they need to make a difference; this includes in what companies they will support through trade and those they may support with their investments.