Betterment Retail Investor Survey 2025

Navigating Financial Noise

Retail investors were cautiously optimistic about the economy early last year, but 2025 is a decidedly different environment.

Concerns about high interest rates persist, with tariffs and stock market volatility creating new challenges—and opportunities—for investors. 

In Betterment’s 2025 Retail Investor Survey, we dive into the new reality of today’s
market, focusing on how four generations 
of investors are feeling and behaving during an unpredictable period. Our findings show that during turbulent times investors want more control over their financial planning. They’re also seeking more advice to find those bright spots, whether that be from a trusted expert like an advisor or technology like AI. 


Read the report