Gen Z and the New Investing Mindset Something interesting about Gen Z is how normal investing has become at a much younger age. You don’t necessarily need to sit in a bank office, book a meeting with an advisor, or wait until you have a huge amount of savings. A phone, an

Our parents’ generation could only save money in banks, while our generation learned to buy wealth-management products; Gen Z buys international indexes with a tap while scrolling through videos. Financial democratization starts with a smartphone, but we must also teach them to respect the market.

Thinking back to when I first opened an account, I had to go to a branch and fill out a stack of forms. Now my nephew can open one in just a few minutes with a phone—it's shocking, and I’m a little envious. But a reminder to young people: getting started early is good, but first learn to identify risks. Don’t just look at return rankings, and don’t trade stocks with leverage.