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January 1, 2025SAGE OpenOpen Access

Generational Investment Behavior: The Influence of Risk Tolerance and Technology Adoption in an Evolving Financial Landscape

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Authors

RMRob Kim MarjerisonHDHang DongJKJong Min Kim

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Overview

Analysis reveals risk tolerance and technology adoption shape financial decisions in Generation Z and Generation Y, suggesting targeted strategies for institutions.

Key Points

  • Generation Z exhibits a more risk-averse investment behavior, preferring safer and liquid assets due to economic uncertainty.
  • As risk tolerance increases among Generation Z, their interest shifts towards moderate-risk investments like gold, while high-risk assets remain unattractive.
  • Millennials show greater engagement with safe and moderate-risk investments, influenced significantly by technology adoption compared to Generation Z.
  • Targeted financial strategies aligning with generational preferences can promote sustainable economic development across diverse market segments.

Cite This Study

Marjerison et al. (2025) studied this question.

synapsesocial.com/papers/68af5d63ad7bf08b1eae07f2https://doi.org/10.1177/21582440251352342
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1A Study on Financial Investment Behaviour of Gen'z'2026
  2. 2Investment Behaviour in the Digital Age: A Comparative Analysis of Generation Z and Millennial Investors Across Financial Literacy and Technology Usage2026
  3. 3Risk Avoidance In Intergenerational Investment Decisions2024
  4. 4Study on Investment Preferences and Change in Trends Across Generations and Anticipating Investment Preferences for Generation Alpha (Individuals Born Between 2013-2025).2025
  5. 5Financial Literacy and Investment Decision-Making Tendencies: A Comparative Study between Millennials and Gen Z in Indonesia2025 · 1 citations