• About us
    • Who we are
    • Mission
  • Contacts
  • English
    • Português (Portuguese (Portugal))
    • Español (Spanish)
    • Français (French)
  • Login
  • Register
Investorpolis
Advertisement
  • Home
  • Investing Series Guide
    • All
    • I. Goal Based Investing
    • II. Compounding & Inflation
    • III. Assets Risks & Returns
    • IV. Efficient Diversification
    • IX. Sustainable Investing and ESG
    • V. The Investor
    • VI. Assets and Investments
    • VII. Index Funds
    • VIII. Successful Investing
    • XI. Other Topics
    Choosing Mutual Funds Series: Part 4 – Costs and impact on returns

    Choosing Mutual Funds Series: Part 4 – Costs and impact on returns

    Choosing Mutual Funds Series: Part 3 – The mutual funds returns

    Choosing Mutual Funds Series: Part 3 – The mutual funds returns

    Rebalancing is key in the risk management of investment portfolios

    Rebalancing is key in the risk management of investment portfolios

    Choosing Mutual Funds Series Part 2 – The main funds’ types and the investment policy

    Choosing Mutual Funds Series Part 2 – The main funds’ types and the investment policy

    Choosing Mutual Funds Series: Part 1 – Overview

    Choosing Mutual Funds Series: Part 1 – Overview

    Investing in Secular Stocks Series: P1 – Overview

    Investing in Secular Stocks Series: P1 – Overview

    Trending Tags

      • I. Goal Based Investing
      • II. Compounding & Inflation
      • III. Assets Risks & Returns
      • IV. Efficient Diversification
      • V. The Investor
      • VI. Assets and Investments
      • VIII. Successful Investing
      • IX. Sustainable Investing and ESG
      • X. Kits and Tips
      • XI. Other Topics
    • Wealth and Investing
      • All
      • Investing
      • Wealth
      Market excesses are being corrected: Part 3 – From risk-on to risk-off and disruptive technology and cryptocurrency fashion

      Market excesses are being corrected: Part 3 – From risk-on to risk-off and disruptive technology and cryptocurrency fashion

      Market excesses are being corrected: Part 2 – Abuse of blank checks via SPAC IPO

      Market excesses are being corrected: Part 2 – Abuse of blank checks via SPAC IPO

      Market excesses are being corrected: Part 1 – Defying the law of gravity with meme stocks

      Market excesses are being corrected: Part 1 – Defying the law of gravity with meme stocks

      The trend of democratization of the U.S. stock market goes on

      The trend of democratization of the U.S. stock market goes on

      Financial Market Outlook 3Q22: Finding order in a new order

      Financial Market Outlook 3Q22: Finding order in a new order

      How they invest: Pension funds from the world’s leading countries

      How they invest: Pension funds from the world’s leading countries

      Trending Tags

        • Investing
        • Wealth
      • Retirement & Savings
        • All
        • Retirement
        • Savings
        Retirement Series: How much money do we need to live through retirement?

        Retirement Series: How much money do we need to live through retirement?

        Retirement Series: Part 1 – Overview – A backwards view

        Retirement Series: Part 1 – Overview – A backwards view

        How many years do our public or social pensions last?

        What is the replacement rate of retirement pensions?

        How many years will we live in retirement?

        Planning for a good financial life in retirement

        Trending Tags

          • Retirement
          • Savings
        • Tools
          • All
          • Calculators
          • Publications
          • Sites and apps
          Bankrate Calculators

          Bankrate Calculators

          MarketWatch Retirement

          MarketWatch Retirement

          The Flexible Retirement Planner

          The Flexible Retirement Planner

          Rutgers Investment Risk Tolerance Questionnaire

          Rutgers Investment Risk Tolerance Questionnaire

          Fidelity Investor Profile Questionnaire

          Fidelity Investor Profile Questionnaire

          Vanguard Investor Questionnaire

          Vanguard Investor Questionnaire

          Trending Tags

          • calculators
          • Calculators
          • Publications
          • Sites and apps
        • More
          • All
          • Best of
          Best Of Mutual Funds Series: Passive, US Large Stocks, for Non-US Investors

          Best Of Mutual Funds Series: Passive, US Large Stocks, for Non-US Investors

          Best Of Mutual Funds Series: Passive Large US Stocks for US Investors

          Best Of Mutual Funds Series: Passive Large US Stocks for US Investors

          Trending Tags

            • Best of
            • Reviews
            • Snapshots
            • Others
          No Result
          View All Result
          • Home
          • Investing Series Guide
            • All
            • I. Goal Based Investing
            • II. Compounding & Inflation
            • III. Assets Risks & Returns
            • IV. Efficient Diversification
            • IX. Sustainable Investing and ESG
            • V. The Investor
            • VI. Assets and Investments
            • VII. Index Funds
            • VIII. Successful Investing
            • XI. Other Topics
            Choosing Mutual Funds Series: Part 4 – Costs and impact on returns

            Choosing Mutual Funds Series: Part 4 – Costs and impact on returns

            Choosing Mutual Funds Series: Part 3 – The mutual funds returns

            Choosing Mutual Funds Series: Part 3 – The mutual funds returns

            Rebalancing is key in the risk management of investment portfolios

            Rebalancing is key in the risk management of investment portfolios

            Choosing Mutual Funds Series Part 2 – The main funds’ types and the investment policy

            Choosing Mutual Funds Series Part 2 – The main funds’ types and the investment policy

            Choosing Mutual Funds Series: Part 1 – Overview

            Choosing Mutual Funds Series: Part 1 – Overview

            Investing in Secular Stocks Series: P1 – Overview

            Investing in Secular Stocks Series: P1 – Overview

            Trending Tags

              • I. Goal Based Investing
              • II. Compounding & Inflation
              • III. Assets Risks & Returns
              • IV. Efficient Diversification
              • V. The Investor
              • VI. Assets and Investments
              • VIII. Successful Investing
              • IX. Sustainable Investing and ESG
              • X. Kits and Tips
              • XI. Other Topics
            • Wealth and Investing
              • All
              • Investing
              • Wealth
              Market excesses are being corrected: Part 3 – From risk-on to risk-off and disruptive technology and cryptocurrency fashion

              Market excesses are being corrected: Part 3 – From risk-on to risk-off and disruptive technology and cryptocurrency fashion

              Market excesses are being corrected: Part 2 – Abuse of blank checks via SPAC IPO

              Market excesses are being corrected: Part 2 – Abuse of blank checks via SPAC IPO

              Market excesses are being corrected: Part 1 – Defying the law of gravity with meme stocks

              Market excesses are being corrected: Part 1 – Defying the law of gravity with meme stocks

              The trend of democratization of the U.S. stock market goes on

              The trend of democratization of the U.S. stock market goes on

              Financial Market Outlook 3Q22: Finding order in a new order

              Financial Market Outlook 3Q22: Finding order in a new order

              How they invest: Pension funds from the world’s leading countries

              How they invest: Pension funds from the world’s leading countries

              Trending Tags

                • Investing
                • Wealth
              • Retirement & Savings
                • All
                • Retirement
                • Savings
                Retirement Series: How much money do we need to live through retirement?

                Retirement Series: How much money do we need to live through retirement?

                Retirement Series: Part 1 – Overview – A backwards view

                Retirement Series: Part 1 – Overview – A backwards view

                How many years do our public or social pensions last?

                What is the replacement rate of retirement pensions?

                How many years will we live in retirement?

                Planning for a good financial life in retirement

                Trending Tags

                  • Retirement
                  • Savings
                • Tools
                  • All
                  • Calculators
                  • Publications
                  • Sites and apps
                  Bankrate Calculators

                  Bankrate Calculators

                  MarketWatch Retirement

                  MarketWatch Retirement

                  The Flexible Retirement Planner

                  The Flexible Retirement Planner

                  Rutgers Investment Risk Tolerance Questionnaire

                  Rutgers Investment Risk Tolerance Questionnaire

                  Fidelity Investor Profile Questionnaire

                  Fidelity Investor Profile Questionnaire

                  Vanguard Investor Questionnaire

                  Vanguard Investor Questionnaire

                  Trending Tags

                  • calculators
                  • Calculators
                  • Publications
                  • Sites and apps
                • More
                  • All
                  • Best of
                  Best Of Mutual Funds Series: Passive, US Large Stocks, for Non-US Investors

                  Best Of Mutual Funds Series: Passive, US Large Stocks, for Non-US Investors

                  Best Of Mutual Funds Series: Passive Large US Stocks for US Investors

                  Best Of Mutual Funds Series: Passive Large US Stocks for US Investors

                  Trending Tags

                    • Best of
                    • Reviews
                    • Snapshots
                    • Others
                  No Result
                  View All Result
                  Investorpolis
                  No Result
                  View All Result
                  Home Wealth and Investing Investing

                  Generations have similar investment rules, but different allocations to stocks

                  9 de September, 2020
                  in Investing, Wealth and Investing
                  Reading Time: 5 mins read
                  0 0
                  0
                  As gerações têm regras de investimentos semelhantes, mas diferentes alocações a ações
                  Share on FacebookShare on Twitter

                  All generations have a stable and long-term investment perspective, with virtually no differences between them

                  All generations invest mainly in financial markets, with low investments in deposits and other money market instruments

                  The different generations allocate investments to equities in line with what is expected until the age of 60, but thereafter maintain a higher than expected allocation

                  Most people of all generations invest in the equities and have it as their preferred investment, except Millennials who invest more and prefer cash

                  This is the second post on the financial behaviours of different generations, the first having focused on the theme of goals. This focuses on savings and investment attitudes.

                  Again, most studies originate in the USA, which is not intended. It is a pity that there is no more information of this nature in other parts of the world.

                  All generations have a stable and long-term investment perspective, with virtually no differences between them

                  There are virtually no differences between generational savings and investment preferences.

                  In general, the investment prospect is stable and for the long-term, although less for Millennials, constant savings accumulate in deposits until they are transformed into investments, these being realized over time in order to smooth the moments of purchase.

                  All generations invest mainly in financial markets, with low investments in deposits and other money market instruments

                  Nor are there much difference stemming from the investments made.

                  All the generations also prefer investing in managed portfolios (between 28% and 37%) although to a lesser extent for Millennials, in mutual funds are or are not traded on the stock exchange (between 28% and 31%) and direct investment in stocks (21% to 24%).

                  Only then, and with a much lower expression, do deposits, money market securities, direct bond investment and insurance policies appear.

                  Millennials generally invest less, which may be associated with lower savings capacity.

                  The different generations allocate investments to equities in line with what is expected until the age of 60, but thereafter maintain a higher than expected allocation

                  The following chart shows the equity allocations of Vanguard’s individual investors (the world’s largest asset manager with more than 4 trillion dollars or millions of dollars under management), comparing them with the standard allocations of targeted dated funds:

                  As you would expect, younger generations, such as Millennials and Generation X, typically have a high allocation to equities, respectively, from 90% to 70%, in line with the benchmark.

                  Baby Boomers reduce equities allocations between the ages of 55 and 65 to levels of about 60%, with retirement age approaching, and Silent Generation keeps that level of equities allocation virtually stabilized. This means that these generations maintain a higher allocation to equities than is the standard allocation of retirement funds (60% versus the 35% standard).

                  This mismatch from the pattern can be caused by the positive situation of the markets, by the low rates of remuneration of deposits in recent years, or simply by the good situation and financial capacity of these families who may have resolved the issue of retirement favourably and, to that extent, they think above all of the very long-term objective of the transfer of assets (inheritance).

                  Most people of all generations invest in the equities and have it as their preferred investment, except Millennials who invest more and prefer cash

                  Millennials invest less in stocks than the rest of generations:

                  Only 33% of Millennials invest in stocks, compared to 51% of Generation X and 50% of Baby Boomers. Only the Silent generation with 37% approaches the Millennials levels.

                  It is mainly younger Millennials who invest less in stocks, only 18% of those aged 18 to 25, compared to 44% of older people aged 26 to 35.

                  It is mainly younger Millennials who invest less in stocks, only 18% of those aged 18 to 25, compared to 44% of older people aged 26 to 35.

                  The main reason for not to invest in stocks is simply the lack of money, in 47% and 35% of the cases of younger and older Millennials respectively.

                  However, it is very important that 47% of the youngest and 21% of the older ones do not invest because they feel they do not know how to do it.

                  Thus, it is understood that the favorite investments of the various generations are as follows:

                  For all generations except Millennials the preferred investment is stocks, getting between 33% and 44% of responses, while for Millennials it is cash with 30%.

                  Generations have the same financial goals, but different priorities – Investorpolis

                  https://www.am-switzerland.ch/assets/content/images/schroders_globalinvestorstudy_en.pdf

                  Previous Post

                  Generations have the same financial goals, but different priorities

                  Next Post

                  ESG Investing Series: Part 1 – What is Sustainable Investing?

                  Investadmin

                  Investadmin

                  Related Posts

                  Market excesses are being corrected: Part 3 – From risk-on to risk-off and disruptive technology and cryptocurrency fashion
                  Investing

                  Market excesses are being corrected: Part 3 – From risk-on to risk-off and disruptive technology and cryptocurrency fashion

                  26 de July, 2022
                  Market excesses are being corrected: Part 2 – Abuse of blank checks via SPAC IPO
                  Investing

                  Market excesses are being corrected: Part 2 – Abuse of blank checks via SPAC IPO

                  26 de July, 2022
                  Market excesses are being corrected: Part 1 – Defying the law of gravity with meme stocks
                  Investing

                  Market excesses are being corrected: Part 1 – Defying the law of gravity with meme stocks

                  26 de July, 2022
                  The trend of democratization of the U.S. stock market goes on
                  Investing

                  The trend of democratization of the U.S. stock market goes on

                  26 de July, 2022
                  Financial Market Outlook 3Q22: Finding order in a new order
                  Investing

                  Financial Market Outlook 3Q22: Finding order in a new order

                  19 de July, 2022
                  How they invest: Pension funds from the world’s leading countries
                  Investing

                  How they invest: Pension funds from the world’s leading countries

                  22 de June, 2022
                  Next Post
                  Série Investimento ESG: Parte 1 – O que é o Investimento Sustentável?

                  ESG Investing Series: Part 1 - What is Sustainable Investing?

                  Leave a Reply

                  Your email address will not be published. Required fields are marked *

                  Trending

                  Market excesses are being corrected: Part 3 – From risk-on to risk-off and disruptive technology and cryptocurrency fashion

                  Market excesses are being corrected: Part 3 – From risk-on to risk-off and disruptive technology and cryptocurrency fashion

                  26 de July, 2022
                  Market excesses are being corrected: Part 2 – Abuse of blank checks via SPAC IPO

                  Market excesses are being corrected: Part 2 – Abuse of blank checks via SPAC IPO

                  26 de July, 2022
                  Market excesses are being corrected: Part 1 – Defying the law of gravity with meme stocks

                  Market excesses are being corrected: Part 1 – Defying the law of gravity with meme stocks

                  26 de July, 2022
                  The trend of democratization of the U.S. stock market goes on

                  The trend of democratization of the U.S. stock market goes on

                  26 de July, 2022
                  Investorpolis

                  We developed this blog because we believe that only a small learning effort is needed to make a big change in the decisions and results of our investments and financial assets.

                  Main categories

                  • Investing Series Guide
                  • Wealth and Investing
                  • Retirement & Savings
                  • Tools
                  • More

                  Newsletter

                  Sign to our mailing list to receive updates direct to your inbox!

                  *We don’t spam

                  • Privacy Policy
                  • Cookie Policy
                  • Contacts

                  © 2021 - Investorpolis / Powered by Delta Soluções

                  • pt-pt Português
                  • fr Français
                  • es Español
                  • en English
                  • Home
                  • Investing Series Guide
                    • I. Goal Based Investing
                    • II. Compounding & Inflation
                    • III. Assets Risks & Returns
                    • IV. Efficient Diversification
                    • IX. Sustainable Investing and ESG
                    • V. The Investor
                    • VI. Assets and Investments
                    • VII. Index Funds
                    • VIII. Successful Investing
                    • X. Kits and Tips
                    • XI. Other Topics
                  • Retirement & Savings
                    • Retirement
                    • Savings
                  • Wealth and Investing
                    • Investing
                    • Wealth
                  • Tools
                    • Calculators
                    • Publications
                    • Sites and apps
                  • More
                    • Best of
                    • Reviews
                    • Snapshots
                    • Others
                  • About us
                    • Who we are
                    • Mission
                  • Login
                  • Sign Up
                  • Cart

                  © 2021 - Investorpolis / Powered by Delta Soluções

                  Welcome Back!

                  Login to your account below

                  Forgotten Password? Sign Up

                  Create New Account!

                  Fill the forms bellow to register

                  All fields are required. Log In

                  Retrieve your password

                  Please enter your username or email address to reset your password.

                  Log In
                  We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. By clicking “Accept All”, you consent to the use of ALL the cookies. However, you may visit "Cookie Settings" to provide a controlled consent.
                  Cookie configurationCookie PolicyAcceptReject
                  Manage consent

                  Privacy Overview

                  This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may affect your browsing experience.
                  Advertisement
                  Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. These cookies track visitors across websites and collect information to provide customized ads.
                  Analytics
                  Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc.
                  Functional
                  Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features.
                  Necessary
                  Necessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously.
                  Others
                  Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet.
                  Performance
                  Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.
                  SAVE & ACCEPT

                  Add New Playlist

                  Are you sure want to unlock this post?
                  Unlock left : 0
                  Are you sure want to cancel subscription?