{"id":10344,"date":"2017-09-27T14:37:14","date_gmt":"2017-09-27T14:37:14","guid":{"rendered":"https:\/\/www.getsmarter.com\/blog\/?p=10344"},"modified":"2025-09-22T15:05:52","modified_gmt":"2025-09-22T13:05:52","slug":"millennial-investor-guide-empowered-investing-uncertain-times","status":"publish","type":"post","link":"https:\/\/www.getsmarter.com\/blog\/millennial-investor-guide-empowered-investing-uncertain-times\/","title":{"rendered":"The Millennial Investor: A Guide To Empowered Investing In Uncertain Times"},"content":{"rendered":"\n

In 2008, the investment world was turned upside down<\/strong>. The consequences of the global financial crisis leading to the recession have now resulted in low-interest rates, low growth and even lower returns.<\/p>\n\n\n\n

The generation who graduated during this credit crisis?<\/p>\n\n\n\n

Millennials – many of whom have seen their parents or grandparents lose all of their hard-earned retirement savings in the stock market.<\/strong><\/p>\n\n\n\n

\u201cThe stock market crash, and doom and gloom has scared some of us\u201d, says Shannon Lee Simmons, a 30-year-old Toronto-based certified financial planner and founder of the New School of Finance.<\/p>\n\n\n\n

\u201cWe’ve seen some scary markets in our adult life and I think it’s making us more risk-averse.”1<\/sup><\/p>\n\n\n\n

But now is the most important time for Millennials<\/strong> to empower themselves to confidently invest<\/a>.<\/p>\n\n\n\n

Older Millennials are entering their highest earning years and on top of that, $30 trillion in assets is expected to be passed from the Baby Boomer generation to Millennials in the coming years.2<\/sup><\/p>\n\n\n\n

Unfortunately, many Millennials will still be in the midst of paying off their student debt; while a lack of knowledge in others has made them think they have a lot of time before they need to worry about retirement.<\/strong><\/p>\n\n\n

\n \n \n \n \"UCT\n <\/picture>\n <\/div>\n\n\n
Three facts you need to know about Millennials and investing<\/strong><\/h5>\n\n\n\n
    \n
  1. A recent Wells Fargo survey stated even though 80% of Millennials knew they should be saving money, only 55%<\/strong> were actually doing it.3<\/sup><\/li>\n\n\n\n
  2. A study conducted by Facebook IQ in 2016 titled Millennials + Money: The Unfiltered Journey<\/em> found Millennials crowdsource financial advice<\/a>, and are a key part of the sharing generation.4<\/sup><\/li>\n\n\n\n
  3. They prefer to be savers rather than investors<\/strong>, a trend which is a result of  \u201caccess to lightning-fast technology innovation, and the dramatic economic and market volatility that constrained job prospects and earning abilities, as well as disrupted their parents\u2019 real estate values, investment portfolios and retirement savings.\u201d5<\/sup><\/li>\n<\/ol>\n\n\n\n

    The way people currently invest doesn\u2019t appeal to this generation.<\/p>\n\n\n\n

    They lack trust in financial institutions and the investment industry at large, rather trusting their own knowledge or knowledge of their online networks; they\u2019re disillusioned with the idea of investing and are very conservative in their approach to stock markets with just 26% of Americans under the age of 30 investing in stocks, according to a Bankrate Money Pulse survey.6<\/sup><\/p>\n\n\n\n

    How to approach the investment industry as a Millennial<\/strong><\/h5>\n\n\n\n

    You’re a part of the biggest generation in history, and it\u2019s because of this you hold the potential to have as much, if not a greater, influence in shaping economic trends as your predecessor generation had.<\/p>\n\n\n

    \n \n \n \n \"UCT\n <\/picture>\n <\/div>\n\n\n

    But you don’t have to look like the investor of the past.<\/strong><\/p>\n\n\n\n

    You can be the face of the new-age investor, one who is financially-savvy and engages in smart investing, looking to alternative options for investing money rather than settling for traditional methods.<\/p>\n\n\n\n

    Your first step is to educate yourself.<\/strong>  A recent Schroders Global Investors Study proved the younger generation of investors is in great need of financial advice<\/strong> with 94% of Millennials surveyed globally feeling the need to improve their investment knowledge.7<\/sup><\/p>\n\n\n\n

    The economy may always be uncertain, but that doesn\u2019t mean you should be. Be proactive with your wealth.  If you don\u2019t trust a faceless man in a big firm managing your finances, take ownership of your own financial portfolio.<\/strong><\/p>\n\n\n

    \n \n \n \n \"\"\n <\/picture>\n <\/div>\n\n\n

    Equip yourself with the necessary skills to understand the financial markets; the different investment options available to you; and how to make the best investment decisions. From something as simple as learning how to budget and track your expenses to investigating new financial technologie<\/a>s such as cryptocurrencies, you will feel, according to investFeed CTO Andrew Freedman, \u201cempowered by the ability to participate in markets without traditional third-party interference\u201d<\/p>\n\n\n\n

    \n\n\n\n
    Are you ready to overcome your investing fears and shape a new financial future for yourself?<\/h5>\n\n\n\n

    Study the UCT Investment Management online short course today<\/p>\n\n\n\n

    TELL ME MORE<\/a><\/p>\n\n\n\n

    1<\/sup>The Globe and Mail<\/a>
    2<\/sup>    Forbes<\/a>
    3<\/sup>    Wells Fargo<\/a>
    4<\/sup>    Facebook IQ<\/a>
    5<\/sup>    MoneyWeb<\/a>
    6<\/sup>    Bankrate<\/a>
    7<\/sup>    Schroders<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

    Now is the most important time for Millennials to empower themselves to confidently invest.<\/p>\n","protected":false},"author":74,"featured_media":17577,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[128],"article-format":[],"class_list":["post-10344","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-career-advice","tag-finance"],"acf":[],"yoast_head":"\nA Guide To Empowered Investing In Uncertain Times<\/title>\n<meta name=\"description\" content=\"Millennials are often in the midst of paying off student debt - others believe there is plenty of time before retirement, but now is the time to invest.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.getsmarter.com\/blog\/millennial-investor-guide-empowered-investing-uncertain-times\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Millennial Investor: A Guide To Empowered Investing In Uncertain Times\" \/>\n<meta property=\"og:description\" content=\"Millennials are often in the midst of paying off student debt - 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