An American bank report revealed that the Z -generation investors are taking advantage of more than ever technology and social networks.
During the last decade, the Retail investors They consolidated themselves as a relevant force in the markets, even capable of challenging Wall Street. Now, a new demographic actor is marking the course: the youth of the Gene generationin particular men, who join the financial world, according to JP Morgan.
A study by JP Morgan revealed that, in 2015, only 6% of 25 -year -olds had investment accounts. However, By 2024, the figure climbed to 37%and the bank expects the trend to remain, even when the rhythm has been moderated after the exceptional impulse of the pandemic.
JP Morgan analyzed the ability to invest in generation Z
According to the authors of the report, Chris Wheat and George Eckerdthe emergence of this cohort partly reflects a “temporary effect” associated with extraordinary income and the influence of social networks during 2020 and 2021, but also a structural change that leaves a much higher participation base than in the prepaandemics era.
The phenomenon raises challenges. Many new investors, without sufficient experience, must face both tributable profits in upward markets and losses in periods of volatility.
For JP Morgan, this underlines the need for financial education focused on younger generationswhich are usually exposed in real time to the roller coaster of their investments.
JP Morgan
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Men and women differ by investing
The study also detects a marked gender gap. Although female participation grew, since clients that transferred funds to investment accounts went from 15% in 2020 to 20% in 2021, its relative weight remains stable in just over 35% of the total.
Among men, however, The proportion that invests increased from 20% to 30% during the pandemickeeping an average above their women’s peers.
However, previous investigations showed that women usually obtain better yields thanks to a more prudent management of risk, although their greatest caution leads them to lose some profit opportunities. For example, an Aviva report in 2024 indicated that almost four out of ten women do not investand that 18% avoid doing so because they consider excessive risk.
On the other hand, the boom of mobile applications and low -cost platforms allowed to expand the participation of houses with lower income. In 2014, they represented only 22% of monthly investors, while, in 2025, they already constitute 31%, the highest level from the great recession.
Source: Ambito
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