March 25, 2025--Key insights
Global capital markets have undergone a sustained fundamental shift, increasingly integrating individual investors into the financial ecosystem. This transformation has revolutionized how markets operate, establishing more accessible pathways for individuals to participate in spaces traditionally reserved for institutional and professional investors.

1. Investors are becoming increasingly diverse across age, geography, gender and income, demonstrating earlier interest and engagement in markets. Younger generations learn and engage in capital markets earlier than previous generations. Overall, 30% of Gen Z began investing in university or early adulthood, compared to 15% of Millennials, 9% of Gen X and 6% of Baby Boomers.

2. Between 2021 and 2024, rising inflation eroded the purchasing power of disposable income, shifting investor focus to short-term goals. Market cycles and inflation can create uncertainty and constraint for individuals; despite stocks' potential as an inflation hedge, their volatility remains a deterrent. Across asset classes, 21% of investors avoid certain products due to unpredictability, and 40% of individuals choose not to invest because they are fearful of losing money in the market.

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March 25, 2025--Key insights
Global capital markets have undergone a sustained fundamental shift, increasingly integrating individual investors into the financial ecosystem. This transformation has revolutionized how markets operate, establishing more accessible pathways for individuals to participate in spaces traditionally reserved for institutional and professional investors.

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March 24, 2025--The ever-increasing demand for ETFs is fueled by investor appetite for liquidity, risk management, and diverse strategies.
Brown Brothers Harriman's 12th annual Global ETF Investor Survey of institutional investors, fund managers and financial advisors identifies a paradigm shift across the ETF landscape. The report reveals that a remarkable 95% of investors intend to increase their ETF allocations over the next 12 months, an increase from 82% in last year's survey.

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