While Baby Boomers started investing on average at age 35, Millennials started investing at age 25, and Generation Z has moved this process even earlier, starting their financial journey around age 19. This shift reflects greater financial awareness and access to digital tools that facilitate investing early in life.

On the other hand, digital platforms have democratized access to investment. Mobile apps and virtual advisors allow young people to manage their portfolios with ease. In addition, social networks have become key sources of financial information, with specialized influencers sharing investment advice and strategies.

Other trends:

• Investing with purpose: according to data and analytics company Lexis Nexis, sustainability is a priority for these generations. A significant proportion of Millennials believe they have a responsibility to address social issues through their investments, and many prefer funds with a better carbon footprint.

• The FIRE movement: financial independence early: Inspired by the FIRE (Financial Independence, Retire Early) movement, many young people are looking to achieve financial independence and retire before age 40, according to the New York Post. This approach involves frugal living and a high savings rate, often between 50% and 75% of income, with the goal of achieving financial freedom as early as possible.

• New investment frontiers: beyond traditional stocks and bonds, young investors are exploring alternative assets such as cryptocurrencies, real estate and private equity funds. Access to these opportunities has been facilitated by crowdfunding platforms and fractional ownership models.

Millennials and Generation Z are redefining the financial landscape with innovative, technology and value-driven approaches, and their influence will continue to shape investment trends for years to come.

Fynsa