Current currencies have become a central option for investment for thousands of millennium and Z. Global retail investor expectations 2024 Subordinate World Economic Forum (WEF)A growing part of young investors is devoted to more than half of their wallets Digital currencies. This trend is not a temporary phenomenon, but it reflects a broader change in how new generations are approaching Financial risks, trust and investment planning.
The report, based on a survey conducted on 13,000 individuals in 13 countriesRevealing sudden data: 62 % of the millennial generation have at least a third of their wallets in encrypted currencieswhile 35 % of Gen Z invests more than 50 % in digital assets. In addition, 20 % of the Zil Z young men allocate about a third of their portfolio for investments in encrypted currencies.
But what drives these investors to bet a lot on encrypted currencies? According to the report, the answer lies in a set of factors ranging from Technology access to Confidence in the values associated with Blockchainuntil The effect of social media and digital educational platforms.
Why does the young Millennium generation and General Z preferred cryptocurrencies over traditional investment tools?
The main side that appeared from Ticket It is that new generations see cryptocurrencies More understanding compared to traditional investments Love Investment funds, bonds, or investment funds circulated. This perception is completely different from traditional opinion, which is very complex cryptocurrencies and risks.
Unlike previous generations, the generation of the millennium and General Z is less and less on Traditional financial advisors For their investment decisions. Instead, they prefer sources like Crossed currency platformsand The content of influence and communities via the Internet To educate themselves and make decisions independently.
This change in the search for information reflects a greater tendency towards practical learning, rather than adhering to traditional financial plans. The phenomenon is a Challenge for organizers and financial teachersThose who find themselves are forced to direct an audience who prefers educational programs over YouTube To classic reports from consulting companies.
An investment guided by personal values
In addition to the perception of ease of use, there is another basic factor that leads the financial options for young generations is The moral value of investments.
According to the report:
- the 70 % of the millennial generation and 66 % of Gen Z He chooses Financial institutions are in line with their moral principles.
- Current currencies, with their principles Decentralization and transparencyShe resonates strongly with this mentality.
Young investors are not limited to cryptocurrencies, but also extends to others Alternative assets and financial activity. This indicates an increased willingness to use investments as a way to Activity on the market and Motivating innovation and social change.
Crystate adoption is higher in emerging markets
Not only young people from developed countries that lead the adoption of cryptocurrencies. The WEF report highlights how emerging markets have a higher level of participation compared to the most advanced countries.
Some interesting data appeared from the report:
- 36 % of investors in emerging markets have encrypted currenciescompared to 27 % worldwide.
- Countries like Indiaand Brazil And South Africa Display High adoption rates compared to their western counterparts.
This dynamic can be partially explained by the fact that in many emerging economies, it represents cryptocurrencies Access to financial markets in Distinguished areas with backward banking infrastructure. The cryptocurrency sector here provides a unique opportunity to overcome traditional brokers and reach global investment models.
Technology effect: AI and Fintech change the sector
Another component has a great impact on this trend is The growing role of technology in financial management For new generations.
According to the report:
- the 41 % of global investors – And nearly half of the millennial generation and General Z – ready Delegate their financial decisions to artificial intelligence algorithms.
- New generations are the most active users Budget applications, Robo Advisors, and Fintech Platforms, tools that often Merging encrypted currencies In their main functions.
This data indicates that technological tools are increasingly integrated into Daily management of digital governorCryptocurrencies made a constant presence in the financial habits of the younger generation.
The risk of excessive exposure to encrypted currencies
Despite the enthusiasm and sector growth, The WEF report also sheds light on the risks It is associated with this direction. The fact that the millennial generation and General Z allocates a large part of their wallets to a large extent volatile Asset Fears about long -term financial stability.
Organizers and financial education experts will have to confront A. Precise challenge: Find effective ways for Informing and protecting younger investors Without limiting the innovation brought by the Taurus and Bear sector.
As of today, it seems that new generations learning strategies are directed towards more towards Direct experiences and digital content Instead of relying on traditional institutions. This requires New educational and organizational needsWhich you will need to adapt to the speed with which this industry develops.
conclusion
the Global Economic Forum report It highlights how the millennial generation and General Z transforming the investment scene thanks to their strong tendency towards encrypted currencies Digital financial technologies.
subjective Values, access to global markets, and technology centralization They are the main engines of this financial revolution. However, the strong exposure to digital assets raises questions about stability and the protection of the investor, which highlights the need for a The balanced approach between innovation and organization.
The future of investment is growing and increasingly centralized, driven by ready -made generation options The invention of the global financial system.
