Betterment Retail Investor Survey 2024

Seeking Safety in a Year of Unknowns

In a year marked by high interest rates and an upcoming election, investors are seeking stability and guidance in their financial decisions.

As 2024 progresses, the financial landscape remains challenging with persistent inflation and uncertainty surrounding the upcoming election. In our second annual survey, retail investors are navigating these turbulent times by focusing on high-yield opportunities and adapting their strategies to manage the high cost of living while maintaining long-term financial goals.

Betterment surveyed 1,200 US investors* across four generations (Gen Z, Millennials, Gen X, and Boomers) to explore their current mindsets, investing behaviors, and expectations for the future. The survey reveals a cautious yet optimistic approach to managing personal finances, emphasizing the need for reliable financial advice and the growing influence of social media in financial decision-making.

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