Z 世代的投资比之前任何一代都早。他们是这样做的

这位来自加利福尼亚州奥兰治县的高中生八岁时就开始通过 Stockpile 进行投资，Stockpile 是一家专为年轻人及其家庭设计的在线经纪公司。

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 一代比前几代人更早开始投资，部分原因是技术繁荣引入了新应用程序并使投资变得更容易。

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.

根据嘉信理财 2024 年现代财富调查，平均而言，Z 世代（1997 年至 2012 年出生的人）在 19 岁时开始投资。这比 25 岁开始的千禧一代、32 岁的 X 一代和 35 岁的婴儿潮一代要早。

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.

许多年轻投资者在改变投资格局的技术热潮中成长起来，推出了 Robinhood、加密货币和人工智能驱动的财务建议等应用程序，同时他们还可以在社交媒体上分享自己的得失。

“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.”

“这是我投入的钱，我不会碰，”来自加州奥兰治县的一名高中生伦德说，他从八岁起就开始通过 Stockpile 进行投资，Stockpile 是一家为年轻人及其家庭设计的在线经纪公司。 “老实说，这只是为了积累财富，所以当我进行大额购买时，我可以灵活地使用我的钱，无论是汽车还是房子，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 从 2017 年开始投资 500 美元，此后通过家人为他生日和圣诞节收到的 Stockpile 礼品卡以及父母因他取得好成绩而奖励的钱进行捐款。所有的投资决策都是由他做出，但他的账户由他的父亲负责监管，当他年满 18 岁时，该账户将移交给伦德。

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.

高中毕业后，伦德计划去南加州上大学，学习工商管理。他希望毕业后从事金融工作。

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.

虽然伦德是一个极端的例子，但他并不是唯一一个进行早期投资的人。金融业监管局 2022 年的一项研究发现，18 岁至 34 岁之间的投资者中有 78% 通过移动应用进行交易，60% 使用社交媒体作为投资信息来源。

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.

这些平台在疫情期间激增，Robinhood 在 2020 年上半年新增了超过 300 万个账户。虽然兴奋程度有所放缓，但大多数年轻投资者仍在使用这些应用程序。

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 世代也在应对新的投资，其中许多投资的时间还不够长，还不知道它们的长期表现如何。

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 岁的 Samuel Forthofer 将大约 60% 的资金投入到 401(k) 计划中，另外 40% 投入到加密货币中。当他在加密货币公司找到一份公共关系工作时，他对数字资产感到兴奋。

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，狗狗币（Dogecoin）（一种 Forthofer 说他投资了少量资金的玩笑而创建的代币）的价格从每枚 3 美分飙升至每枚 70 美分以上，他的热情高涨。

“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.”

“我的朋友们对此感到非常兴奋，我也对此感到非常兴奋，”来自密歇根州马科姆县的福索弗说。 “我觉得我投入的这一小笔钱变成了这么大的数字，这真是太酷了。”

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.

之后，他开始投资比特币和以太币，他将根据市场走势事件进行交易，例如选举、美联储主席杰罗姆·鲍威尔的演讲或埃隆·马斯克的社交媒体帖子。

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.

现在，由于应用程序允许投资者以零佣金在几秒钟内买卖股票和其他投资，交易变得更加容易。疫情期间，这些平台数量激增，Robinhood 在 2020 年上半年新增了超过 300 万个账户。

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.

虽然兴奋已经放缓，但大多数年轻投资者仍在使用这些应用程序：金融业监管局 2022 年的一项研究发现，18 岁至 34 岁之间的投资者中有 78% 通过移动应用程序进行交易，60% 使用社交媒体作为来源的投资信息。

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 世代还面临着与前几代人不同的退休前景。社会保障信托基金预计到 2033 年将耗尽，如果国会不介入，可能会导致福利削减 21%。住房和医疗保健成本继续上升。

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.

但这并不意味着年轻人不储蓄。 27 岁的玛丽克莱尔·科伦坡 (MaryClare Colombo) 表示，关于 Z 世代和千禧一代的状况比前几代人更糟糕的新闻报道和社交媒体内容加剧了她对自己财务未来的担忧。

“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.”

“我开始担心自己是否有足够的退休金，因为我没有在退休账户上存入大量资金，”住在芝加哥、在一家软件初创公司工作的科伦坡说。 “这是我开始更加优先考虑这些的第一年……我不想永远工作。”

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

她说退休储蓄现在是她的主要目标。在她的罗斯爱尔兰共和军之间