Gen Z’s Early Investment Boom Raises Crypto Concerns
Z世代早早开始投资，引发对加密货币的担忧
Nearly a third of Gen Z (ages 18–27) are investing by early adulthood, outpacing millennials (15%) and baby boomers (5%), according to a World Economic Forum (WEF) survey of 13,000 people across 13 countries. The rise is driven by easy-to-use investment apps and abundant financial advice online. In the UK, 64% of Gen Z investors adjust their portfolios monthly compared to 34% of baby boomers. However, regulators are concerned about the high number of young investors starting with risky cryptocurrency investments. The UK’s Financial Conduct Authority warned that many under-35s face the risk of losing everything and has cracked down on unregulated financial influencers. Stocks remain the most popular investment globally, with 60% of surveyed investors holding them.
根据世界经济论坛（WEF）对来自13个国家的13,000人进行的调查，近三分之一的Z世代（18至27岁）在成年早期就开始投资，超过了千禧一代（15%）和婴儿潮一代（5%）。这种趋势受到便捷的投资应用程序和丰富的在线理财内容推动。在英国，64%的Z世代投资者每月至少调整一次投资组合，而婴儿潮一代中这一比例仅为34%。
然而，监管机构担心，过多的年轻人将加密货币作为首次投资，风险极高，可能血本无归。英国金融行为监管局（FCA）警告称，许多35岁以下的年轻人存在巨大的投资风险，并已开始打击未获授权推销金融产品的网红。全球范围内，股票仍是最受欢迎的投资产品，60%的受访投资者持有股票。
