Siddharth Rathod’s Post

📉 Younger Generations Are Shifting Away from Stocks 📈 The Wealthy Millennials & Gen Z Are Investing More in Alternative Assets Like Art and Crypto. This trend is critical as we approach an $84 trillion intergenerational wealth transfer by 2045, 42% of which will come from high-net-worth individuals. 🤯 70% of investors aged 21-43 believe it is no longer possible to achieve above-average returns solely through stocks and bonds.  Then, what are the Alternatives on the Rise? 🔹 Younger investors allocate 3x more to alternatives like private equity, real estate, cryptocurrencies, and gold compared to older generations. 🔹 93% plan to increase allocations to alternatives in the coming years. 🔹 Nearly half (49%) own crypto, and 38% are exploring it further. 🔹Gold is back—45% own it, and another 45% are interested. What’s at stake? 💡 Reduced demand for listed stocks could reshape capital markets, especially as unicorns stay private longer—or permanently. 💡 The growing interest in private equity is fueling innovation, such as tokenizing private investments for broader accessibility. The implications for asset managers, startups, and corporate strategists are massive. While the shift away from stocks could be temporary, it’s clear younger investors are rewriting the playbook for future growth. Don’t lose faith in future generations, data shows that younger donors are 2x more likely to focus on homelessness, social justice, and climate change. 🍃 #Investing #WealthManagement #Crypto #PrivateEquity #GenerationalShift

Why is investing crucial for millennials? 🤔 Starting early is key! Investing isn't just about growing your wealth — it's about creating a second stream of income beyond your main job. Whether it's stocks, crypto, or other financial instruments, having that extra income can provide a safety net if your job becomes unstable or help you fund those extra expenses, like holidays, without dipping into your savings. 🌟 Remember, every investment comes with risks, but the benefits of having additional income and financial security make it worth considering. Start investing today for a more secure and flexible future! 💼💰 #Investing #Millennials #FinancialFreedom #IncomeStreams #FinancialSecurity #InvestSmart #GrowCastShow #WealthBuilding

Younger investors are redefining wealth-building strategies beyond traditional stocks and bonds. According to a recent Bank of America report, 72% of affluent Americans aged 21 to 43 believe it's no longer possible to achieve superior returns through conventional investments alone. Instead, Millennials and Gen Z are turning to alternative investments such as collectibles to diversify portfolios, precious metals - especially gold - to hedge against inflation, and real estate, which remains the top choice when it comes to which investment offers the greatest opportunity for growth. Fractional/tokenized real estate stands out as the most strategic and creative form of alternative investing among these wealthy Americans, as it allows them to buy into a portion of a property and earn monthly passive income and high returns without having to do the underwriting, maintenance and upkeep that comes with ownership. Experts recommend balancing traditional investments with 10-20% of alternative options, using the power of time and compounding for long-term growth. https://lnkd.in/eKPTZZfW #Investing #WealthBuilding #FinancialLiteracy #Millennials #GenZ #Blockchain #RWA #Tokenization #web3 #RealEstate #PropTech #Defi #FinTech #AlternativeInvestment #InvestmentOpportunities #WealthManagement #DigitalAssets #Innovation #Mogul #Reental

In the below article, the author highlights the ongoing debate between the traditional 60/40 portfolio and investing in alternatives, with a specific focus on Gen Z and Millennials. Critiquing the idea of incorporating alternatives, suggesting that a traditional 60/40 portfolio remains the best choice. I find it interesting that the cherry picked "alternatives" in this discussion he mentions are "collectibles and cryptocurrencies" direct quote from the article: "About a third of their portfolios are invested in alternatives that include collectibles and cryptocurrencies, according to the Bank of America survey." Is he saying that out of the polled Gen Z and Millennials in the survey that hold alternatives, hold 30% of their portfolio in Crypto and collectibles - no other alternatives like hedge funds or PE or Private Credit or Real Estate or infrastructure funds etc..? Seems fishy. As a Millennial and a proponent of alternatives, I take this to heart. The conversation should not be about choosing one over the other. No prudent investor should allocate too large a chunk of their portfolio to a single asset class. The real discussion should focus on balance and diversification. A well-rounded portfolio might include 5-20% in alternatives (maybe even some collectibles and crypto if that fits your risk appetite), with the remaining 80-95% in more "traditional" assets. It’s concerning that the discourse has become so polarized. Whenever I speak with our private clients at OZ Capital, I always advocate for balanced and diversified portfolios that suits that individuals risk profile and investment goals. Let's rethink and bring nuance back to our wealth planning strategies. #Investing #WealthManagement #Diversification #AlternativeInvestments #PortfolioManagement #Millennials #GenZ

Alternative Generations: Millennials, Gen Z, and Ever-Changing Markets Newer generations of investors increasingly favor alternative assets such as cryptocurrencies, private equity, and non-fungible tokens over traditional investments like stocks and bonds. Their reliance on social media platforms for investment advice has contributed to new investment values along with a skepticism about the potential returns of conventional assets. In fact, alternatives make up 31% of portfolios of these younger generations — compared to just 6% for older investors. This shift reflects a unique risk appetite and a broader, digital-first perspective. As an advisor, building and maintaining expertise in alternatives can be a valuable way to earn their trust. 👇 Read more below! #InvestmentSense #AlternativeAssets #GenZ #Millenials #BehavioralFinance

💸 The largest wealth transfer in history is happening – but will younger investors play by the same rules? The FT reports that over $𝟭𝟬𝟬 𝘁𝗿𝗶𝗹𝗹𝗶𝗼𝗻 will pass from boomers to their heirs in the next 25 years. Yet, 𝟳𝟬% 𝗼𝗳 𝗳𝗮𝗺𝗶𝗹𝗶𝗲𝘀 𝗹𝗼𝘀𝗲 𝘁𝗵𝗲𝗶𝗿 𝘄𝗲𝗮𝗹𝘁𝗵 by the second generation. Key Takeaways: 🚩 𝗕𝗶𝗴𝗴𝗲𝘀𝘁 𝗦𝗵𝗶𝗳𝘁 𝗘𝗩𝗘𝗥: $18 trillion globally by 2030 – a record-breaking intergenerational transfer. 🚩 𝗡𝗲𝘅𝘁-𝗚𝗲𝗻 Investors 𝗧𝗵𝗶𝗻𝗸 𝗗𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁𝗹𝘆: • 72% of younger investors believe traditional stocks and bonds won’t deliver above-average returns. • 3x more focus on alternative assets like crypto, start-ups, and private equity. • Nearly half already own cryptocurrencies; 45% own physical gold. • High Risk, High Reward: Heirs aren’t just preserving wealth - they’re redefining what wealth looks like. 🔑 As the next generation reshapes portfolios, 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲𝗱 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗶𝘀 𝗰𝗿𝘂𝗰𝗶𝗮𝗹 to keep risk in check and ensure wealth endures. Chandrima Das Martin Pickrodt #WealthTransfer #NextGenInvesting #FamilyLegacy #IntergenerationalWealth

🌍💰 Understanding Generational Differences in Money Mindsets 💭💵 When it comes to money, every generation has its own unique perspective shaped by the world they grew up in. Understanding these differences can help bridge the gap and create better financial conversations across all ages! 👵 Baby Boomers (1946-1964): Boomers grew up in a time of economic prosperity, which shaped their belief in hard work, job loyalty, and saving for the future. Many prioritize homeownership and long-term investments as their path to financial security. 👨👩👧 Generation X (1965-1980): Gen X experienced the rise of dual-income households and technological advancements. They value financial independence and often juggle saving for retirement with supporting their children and aging parents. Skeptical of the stock market, they tend to prefer more stable investments. 📱 Millennials (1981-1996): Millennials entered adulthood during the Great Recession, shaping their cautious approach to money. They prioritize experiences over material possessions, value financial flexibility, and are more likely to embrace technology-driven solutions like fintech apps and cryptocurrency. 🌐 Generation Z (1997-2012): Gen Z is the first digital-native generation, with instant access to information shaping their financial behaviors. They prioritize entrepreneurship, are wary of traditional financial institutions, and value ethical investments that align with their social values. 💡 The Takeaway: Each generation's experiences have shaped their money mindset. By understanding these perspectives, we can learn from each other and build a more financially literate and secure future. 🔄 Join the conversation! How does your generation's experience shape the way you think about money? Share your thoughts below! #FinancialLiteracy #MoneyMindset #GenerationalDifferences #TheDrozdowskiGroup #WealthBuilding

Millennials and their children are set to become the wealthiest generation in history over the next 20 years. More than $80 trillion in the US alone is expected to be transferred from older generations, potentially reshaping the entire financial market. The younger generation consumes financial content differently from their parents and seeks new asset classes for growth opportunities. According to a Bank of America Private Bank survey, most wealthy investors under 43 believe that "it is no longer possible to achieve above-average investment returns by investing solely in traditional stocks and bonds." They prefer real estate, crypto, and collectibles over traditional stocks and bonds. When I talk to the younger generations in family offices, I get the same answers. They want more direct control over their investments and are interested in assets that resonate with their personal interests. The future for the new digital financial markets looks bright. #familyoffice #alternativeassets

Our first-ever Multipolitan Wealth Report: Navigating the Future of Wealth 2024 is all about a world in transition—generations coming together to redefine wealth, finding new ways to balance financial preservation with well-being. It’s a story of ambition, adaptability, and making sense of an ever-changing world. Thank you Finews AG for shining a spotlight on this journey! And, of course, we couldn’t have done it without the incredible support of so many passionate commentaries! It’s inspiring to see such diverse perspectives come together, each bringing something unique to the table. Together, we’re facing the future with purpose and determination. #WealthReport2024 #FutureOfWealth #RedefiningWealth #GlobalWealthTrends #Longevity #Bitcoin #Crypto #Wine #VintageCars #FamilyOffices #Tax #ResNonDom #AI #Gold #InvestmentMigration #Tokenisation #FamilyWealth #Fitness #MentalHealth #PreventiveMedicine #FinewsAG #Multipolitan Explore the full article here: