MoneySep 11, 2024
How Does Each Generation Invest Their Money? 📊
What We're Showing
The breakdown of how each generation uses each of the following types of investing strategies:
- Buy and hold
- Growth investing
- Fractional shares investing
- Short-term trading
- Direct indexing
- Socially responsible investing
- Robo-advisor investing
- Thematic investing
Data is based on a Charles Schwab Modern Wealth survey of 1,000 U.S. adults, and is updated as of March 2024.
Key Takeaways
- Americans across generations mostly use buy and hold and growth investing, with boomers relying on this strategy the most
- Gen Z and Millennials tend to adopt newer strategies, such as fractional shares investing (48% for both) and short-term trading (52% for both), more than older generations.
Dataset
| Investing strategy | Gen Z (1997-2002) | Millennials (1981-1996) | Gen X (1965-1980) | Boomers (1948-1964) |
|---|---|---|---|---|
| Buy and hold | 57% | 59% | 48% | 60% |
| Growth investing | 57% | 56% | 51% | 49% |
| Fractional shares investing | 48% | 48% | 33% | 25% |
| Short-term trading | 52% | 52% | 31% | 20% |
| Direct indexing | 44% | 42% | 26% | 23% |
| Socially responsible investing | 43% | 45% | 27% | 17% |
| Robo-advisor investing | 40% | 41% | 25% | 11% |
| Thematic investing | 41% | 41% | 20% | 9% |
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