Z 世代的投資比之前任何世代都早。他們是這樣做的

這位來自加州橘郡的高中生八歲時就開始透過 Stockpile 進行投資，Stockpile 是一家專為年輕人及其家庭設計的線上經紀公司。

Generation Z is starting to invest earlier than previous generations, thanks in part to a technological boom that has introduced new apps and made investing more accessible.

Z 世代比前幾代人更早開始投資，部分原因是科技繁榮引入了新應用程式並使投資變得更容易。

On average, Gen Zers—those born between 1997 and 2012—began investing at age 19, according to Charles Schwab’s 2024 Modern Wealth Survey. That is earlier than millennials who began at age 25, Generation X at age 32 and baby boomers at age 35.

根據嘉信理財 2024 年現代財富調查，平均而言，Z 世代（1997 年至 2012 年出生的人）在 19 歲時開始投資。這比 25 歲開始的千禧世代、32 歲的 X 世代和 35 歲的嬰兒潮世代還要早。

Many young investors came of age amid a technological boom that has changed the investing landscape, introducing apps like Robinhood , cryptocurrency and artificial intelligence-powered financial advice, all while they can jump on social media to share their wins and losses.

許多年輕投資者在改變投資格局的技術熱潮中成長起來，推出了 Robinhood、加密貨幣和人工智能驅動的財務建議等應用程序，同時他們還可以在社交媒體上分享自己的得失。

“This is money I put in and I don’t touch,” says Lunde, a high school senior from California’s Orange County who began investing at age eight via Stockpile, an online brokerage designed for young people and their families. “It’s honestly just about building wealth so I have flexibility with my money for when big purchases come about, whether that be a car or a house or even for retirement.”

「這是我投入的錢，我不會碰，」來自加州橘郡的一名高中生倫德說，他從八歲起就開始透過Stockpile 進行投資，Stockpile 是一家為年輕人及其家庭設計的線上經紀公司。 “老實說，這只是為了積累財富，所以當我進行大額購買時，我可以靈活地使用我的錢，無論是汽車還是房子，甚至是退休生活。”

Lunde started by investing $500 in 2017 and has since contributed via Stockpile gift cards received from family for his birthdays and Christmas, as well as money his parents have rewarded him with for getting good grades. He makes all the investing decisions, but his father oversees his account, which will be turned over to Lunde when he turns 18.

Lunde 從 2017 年開始投資 500 美元，此後透過家人為他生日和聖誕節收到的 Stockpile 禮品卡以及父母因他取得好成績而獎勵的錢進行捐款。所有的投資決策都是由他做出，但他的帳戶由他的父親負責監管，當他年滿 18 歲時，該帳戶將移交給倫德。

After graduating from high school, Lunde plans to attend college in Southern California to study business administration. He hopes to work in finance after graduating.

高中畢業後，倫德計畫去南加州上大學，學習工商管理。他希望畢業後從事金融工作。

While Lunde is an extreme case, he isn’t alone in investing early. A 2022 study from the Financial Industry Regulatory Authority found that 78% of investors between ages 18 and 34 trade via a mobile app and 60% use social media as a source of investment information.

雖然倫德是一個極端的例子，但他並不是唯一一個進行早期投資的人。金融業監管局 2022 年的一項研究發現，18 歲至 34 歲之間的投資者中有 78% 透過行動應用進行交易，60% 使用社群媒體作為投資資訊來源。

These platforms surged during the pandemic, with Robinhood adding more than three million accounts in the first half of 2020. While the excitement has slowed, the majority of young investors still use these apps.

這些平台在疫情期間激增，Robinhood 在 2020 年上半年新增了超過 300 萬個帳戶。

Gen Z is also contending with new investments, many of which haven’t been around long enough to know how they will perform over the long term.

Z 世代也在應對新的投資，其中許多投資的時間還不夠長，而且還不知道它們的長期表現如何。

Samuel Forthofer, 27, puts roughly 60% of the money he invests into his 401(k) and the other 40% into cryptocurrencies. He became excited about digital assets when he got a job working in public relations for crypto companies.

27 歲的 Samuel Forthofer 將大約 60% 的資金投入到 401(k) 計畫中，另外 40% 投入加密貨幣。當他在加密貨幣公司找到一份公共關係工作時，他對數位資產感到興奮。

His enthusiasm picked up in 2021 when Dogecoin—a token created as a joke that Forthofer says he invested a small amount of money in—soared in price from three cents per coin to more than 70 cents per coin.

2021 年，狗狗幣（Dogecoin）（一種 Forthofer 說他投資了少量資金的玩笑而創建的代幣）的價格從每枚 3 美分飆升至每枚 70 美分以上，他的熱情高漲。

“My friends got really excited about it, and I got really excited about it,” says Forthofer, who is from Michigan’s Macomb County. “I thought it was cool how this small amount I put in was growing to be this big number.”

「我的朋友們對此感到非常興奮，我也對此感到非常興奮，」來自密西根州馬科姆縣的福索弗說。 “我覺得我投入的這一小筆錢變成了這麼大的數字，這真是太酷了。”

After that, he began investing in Bitcoin and Ether, which he will trade based on market-moving events, like the election, Federal Reserve Chairman Jerome Powell’s speeches or Elon Musk’s social media posts.

之後，他開始投資比特幣和以太幣，他將根據市場走勢事件進行交易，例如選舉、聯準會主席鮑威爾的演講或伊隆馬斯克的社群媒體貼文。

Trading is now easier thanks to apps that allow investors to buy and sell stocks and other investments in seconds with zero commissions. During the pandemic, these platforms surged with Robinhood adding more than three million accounts in the first half of 2020.

現在，由於應用程式允許投資者以零佣金在幾秒鐘內買賣股票和其他投資，交易變得更加容易。疫情期間，這些平台數量激增，Robinhood 在 2020 年上半年新增了超過 300 萬個帳戶。

While the excitement has slowed, the majority of young investors still use these apps: A 2022 study from the Financial Industry Regulatory Authority found that 78% of investors between ages 18 and 34 trade via a mobile app and 60% use social media as a source of investment information.

雖然興奮已經放緩，但大多數年輕投資者仍在使用這些應用程式：金融業監管局2022 年的一項研究發現，18 歲至34 歲之間的投資者中有78% 透過行動應用程式進行交易，60% 使用社交媒體作為來源的投資資訊。

Gen Z is also dealing with a different retirement outlook than the generations before them. The Social Security trust fund is expected to be depleted by 2033, which could trigger a 21% benefit cut if Congress doesn’t step in. Housing and healthcare costs continue to rise.

Z 世代也面臨著與前幾代人不同的退休前景。社會安全信託基金預計到 2033 年將耗盡，如果國會不介入，可能會導致福利削減 21%。

But that doesn’t mean young people aren’t saving. MaryClare Colombo, 27, says news coverage and social media content about how Gen Z and Millennials are in a worse state than generations before them contributed to her concerns about her financial future.

但這並不代表年輕人不儲蓄。 27 歲的瑪麗克萊爾·科倫坡 (MaryClare Colombo) 表示，關於 Z 世代和千禧世代的狀況比前幾代人更糟糕的新聞報導和社交媒體內容加劇了她對自己財務未來的擔憂。

“I’ve been kind of starting to panic about whether I will have enough for retirement because I’m not putting a huge amount in my retirement accounts,” says Colombo, who lives in Chicago and works for a software start-up. “This was the first year I started prioritizing those a little more…I don’t want to be working forever and ever.”

「我開始擔心自己是否有足夠的退休金，因為我沒有在退休帳戶上存入大量資金，」住在芝加哥、在軟體新創公司工作的科倫坡說。 “這是我開始更加優先考慮這些的第一年……我不想永遠工作。”

She says retirement saving is now her main goal. Between her Roth IRA

她說退休儲蓄現在是她的主要目標。在她的羅斯愛爾蘭共和軍之間