How Gen Z is Changing Investing
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Generation Z is changing the investment landscape by using technology on these innovative platforms to guide their financial strategies. Born between 1997 and 2012, Gen Z investors are using applications like Robinhood and Public to align their investments with personal values and community engagement.
Getting an Early Start
Gen Z investors are entering the market earlier than previous generations, with many starting in their late teens. This early start is coming from the user friendly platforms that allow commission free trades, making investing more accessible. Notably, 44% of Gen Z investors began their investment journey with cryptocurrencies, highlighting a preference for digital assets(Investopedia, 2025).
Embracing Cryptocurrency
Cryptocurrencies have become a significant component of Gen Z portfolios. Despite recognizing the risks, 84% of Gen Z investors view crypto as a risky investment and approximately 65% plan to invest in digital currencies in 2025(YouGov, 2025). This trend reflects a broader shift towards decentralized finance and a desire for alternative investments.
Using AI and Technology
Gen Z’s comfort with technology extends to their investment strategies. Approximately 41% are open to utilizing AI-powered financial advice, a stark contrast to the 14% of Baby Boomers who feel the same(World Economic Forum, 2025). Platforms like Robinhood are responding by integrating AI tools to provide personalized investment insights, catering to this tech-savvy demographic.
Navigating the Fine Line Between Investing and Speculation
While Gen Z’s innovative approaches are reshaping investing, there’s a growing concern about the blurring lines between investment and gambling. The allure of high-risk, high-reward opportunities, such as event contracts and speculative assets, is strong. Financial advisors emphasize the importance of distinguishing between strategic investing and speculative betting to ensure long-term financial health.
In summary, Gen Z is transforming the investment landscape through early adoption and technological integration. Their unique approach is not only influencing current market trends but also setting the stage for the future of investing.