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Younger generations’ investment appetite offers strategic opportunities for UK financial advisers
How Younger Generations’ Investment Appetite Creates Strategic Opportunities for Financial Advisers
Recent research reveals that younger generations are demonstrating a significantly stronger appetite for investing than older demographics, creating both immediate opportunities and long-term strategic advantages for UK financial advisers. However, capitalising on this trend requires understanding the unique characteristics, challenges, and preferences of Gen Z and millennial investors.
The Investment Appetite Gap Between Generations
Research from Stratiphy has revealed a stark generational divide in investment behaviour. Almost half (47%) of 18-34-year-olds in the UK have invested in the past 12 months, compared to just 23% of those over 55. This represents more than double the investment participation rate, indicating a fundamental shift in how younger generations approach wealth building.
Financial advisers have a unique opportunity to capture the £47 billion Gen Z wealth market through long-term strategies and digital-first engagement
How Financial Advisers Can Capture the £47 Billion Gen Z Market Opportunity
New research from M&G reveals Generation Z are the most financially optimistic generation, with 47% of 18-24 year olds confident about their retirement prospects - significantly higher than millennials (29%) and Gen X (25%). While this optimism creates a substantial market opportunity, it also represents a strategic challenge: how do you monetise relationships with clients who won’t reach peak earning potential for two decades?
Why Financial Planners Should Adapt Their Strategies to Attract Gen Z and Millennial Clients Focused on Financial Resilience
Millennials and Gen Z Driving Financial Resilience: A Strategic Opportunity for UK Financial Planning Firms
Key Findings: Young Adults Leading the Savings Revolution
Recent research from Scottish Friendly has revealed compelling insights that challenge outdated stereotypes about younger generations’ financial behaviour. The study, surveying 2,511 UK adults between March and April 2025, demonstrates that Millennials and Gen Z are taking unprecedented ownership of their financial futures.
Striking Statistical Differences by Generation
The data reveals significant generational gaps in financial engagement:
Bridge the Retirement Divide: A Strategic Marketing Opportunity for Financial Advisers
Reaching the Advice Gap Middle: A Smart Move for Financial Planners
The UK faces a retirement crisis of unprecedented scale. With 15 million people at risk of financial hardship in later life, financial advisers have both a social responsibility and a significant business opportunity to address this growing challenge.
The Scale of the Crisis: Understanding the Numbers
Recent research reveals alarming statistics about retirement preparedness in the UK. According to the Financial Conduct Authority, 10% of adults are not saving anything at all, whilst 21% have less than £1,000 in savings. More concerning still, almost a quarter of the population—13 million people—find themselves in a fragile financial state, struggling with debt and everyday expenses.