Z 世代和千禧世代在令人驚訝的調查結果中選擇加密貨幣而不是股票

在美國，相較於股票等傳統投資，Z 世代和千禧世代對加密貨幣表現出強烈的偏好。根據 Policygenius 的一項調查，20% 的 Z 世代擁有加密貨幣，而只有 18% 的人持有股票，而千禧世代也優先考慮加密貨幣，擁有 22% 的所有權。這種向數位資產的轉變歸因於對住房負擔能力的擔憂，由於加密貨幣的可及性和潛在回報，Z 世代和千禧世代更有可能投資加密貨幣。

Generation Z and Millennials Embrace Cryptocurrencies over Stocks

Z 世代和千禧世代喜歡加密貨幣而不是股票

New York, January 10, 2023 - A recent survey by Policygenius and YouGov reveals a growing preference among Generation Z and millennials for cryptocurrencies over traditional investments like stocks.

紐約，2023 年 1 月 10 日 - Policygenius 和 YouGov 最近的一項調查顯示，Z 世代和千禧世代對加密貨幣的偏好超過了股票等傳統投資。

The survey, which polled 1,213 Americans, found that 20% of individuals aged 18 to 26 own cryptocurrencies, while only 18% own stocks. This contrasts with millennials, aged 27 to 42, where 22% own cryptocurrencies and 27% own stocks.

這項調查對 1,213 名美國人進行了調查，發現 18 至 26 歲的人中有 20% 擁有加密貨幣，而只有 18% 擁有股票。這與 27 至 42 歲的千禧世代形成鮮明對比，其中 22% 的人擁有加密貨幣，27% 的人擁有股票。

This preference for cryptocurrencies reflects a larger shift in investment priorities among younger generations. While baby boomers continue to favor traditional investments like real estate (45%) and stocks (33%), Generation Z and millennials are more likely to turn to digital assets.

這種對加密貨幣的偏好反映了年輕一代投資重點的更大轉變。雖然嬰兒潮世代繼續青睞房地產（45%）和股票（33%）等傳統投資，但 Z 世代和千禧世代更有可能轉向數位資產。

Factors Driving the Shift

推動轉變的因素

Several factors contribute to this shift in investment preferences. One significant factor is the affordability crisis facing Generation Z and millennials. Soaring interest rates, limited housing inventory, and stagnant incomes have made homeownership increasingly out of reach for many. This has led them to explore alternative investment options like cryptocurrencies.

有幾個因素導致了投資偏好的這種轉變。一個重要因素是 Z 世代和千禧世代面臨的負擔能力危機。飆升的利率、有限的房屋庫存和停滯的收入使許多人越來越難以擁有住房。這促使他們探索加密貨幣等替代投資選擇。

Another factor driving the preference for cryptocurrencies is the growing use of social media for financial advice. Generation Z and millennials are more likely to consult social media platforms for investment recommendations, while older generations tend to rely on traditional financial professionals.

推動加密貨幣偏好的另一個因素是越來越多地使用社群媒體提供財務建議。 Z 世代和千禧世代更有可能諮詢社群媒體平台尋求投資建議，而老一輩則傾向依賴傳統的金融專業人士。

Cryptocurrency Market Performance

加密貨幣市場表現

The cryptocurrency market has experienced significant growth in recent years. According to Statista, the industry was valued at $40.7 billion in 2023, a 50% increase from the previous year. The number of users has also grown exponentially, from 73.52 million in 2020 to 670.50 million in 2023.

近年來，加密貨幣市場經歷了顯著成長。根據 Statista 統計，2023 年該產業估值為 407 億美元，比前一年成長 50%。用戶數量也呈指數級增長，從2020年的7352萬增加到2023年的67050萬。

Emotional Aspects of Investing

投資的情感面

The survey also explored the emotional aspects of investing. While 31% of baby boomers reported feeling satisfied with their financial management, only 31% of Generation Z expressed the same level of pride. This suggests a growing sense of financial anxiety and uncertainty among younger generations.

調查也探討了投資的情感面。雖然 31% 的嬰兒潮世代表示對自己的財務管理感到滿意，但只有 31% 的 Z 世代表達了同樣程度的自豪感。這顯示年輕一代的財務焦慮和不確定性日益增強。

Financial Hacks and Habits

財務駭客與習慣

Generation Z and millennials are also more likely to engage in financial "hacks" such as no-spend challenges and infinite banking. These strategies prioritize saving and reducing expenses.

Z 世代和千禧世代也更有可能參與金融「駭客」活動，例如無支出挑戰和無限銀行業務。這些策略優先考慮節省和減少開支。

Conclusion

結論

The growing preference for cryptocurrencies among Generation Z and millennials represents a significant shift in the investment landscape. The affordability crisis, the influence of social media, and the strong performance of the cryptocurrency market have all contributed to this trend. As the cryptocurrency industry continues to mature, it remains to be seen whether this preference will persist or evolve over time.

Z 世代和千禧世代對加密貨幣的日益偏好代表著投資格局的重大轉變。負擔能力危機、社群媒體的影響以及加密貨幣市場的強勁表現都促成了這一趨勢。隨著加密貨幣產業的不斷成熟，這種偏好是否會持續存在或隨著時間的推移而演變還有待觀察。