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Younger Generations Are Taking On Riskier Investments
Courtesy of Magnific
Gen Z traders are increasingly taking financial risks with lottery-like stocks, further blurring the line between investing and gambling.
Behind the Market: Many younger investors are making risky bets amid a tenuous US economy, Bloomberg reports, where dreams like homeownership seem ever more out of reach.
A 2025 survey by the Financial Industry Regulatory Authority found that 62% of investors under 35 believe they need to take big risks to reach their financial goals. That mindset is reflected in their portfolios: 29% reported buying meme stocks, 43% have traded options, and 22% have invested using borrowed money.
Another study by Northwestern Mutual found that 80% of millennial and 75% of Gen Z investors pursue speculative investments because they feel financially behind.
University of Chicago researcher Younggeun Yoo said, “It seems like they’re trying to gamble their way into housing once they start to realize that the traditional method of working hard, saving for it, making a safe investment is no longer guaranteeing you the path to the American dream.”
Closing Bets: Trading platforms are leaning into that mindset. Kalshi, for instance, has targeted financially insecure users with a since-removed TikTok ad captioned, “POV: I was about to be unable to pay my rent, but I got two years of rent through Kalshi’s predictions. It’s amazing!”
Future Dividends: As long as homeownership and financial security continue to feel out of reach, don’t expect young investors to stop betting big. That demand could fuel even more platforms and products built around riskier investing.
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Today’s email was written by Deena ElGenaidi, Nick Comney, and Kait Cunniff.
Edited by Nick Comney. Polled and Copy-edited by Kait Cunniff.
Published by Darline Salazar.