{"id":7405,"date":"2015-08-14T10:22:48","date_gmt":"2015-08-14T14:22:48","guid":{"rendered":"https:\/\/aspire-canada.com\/?p=7405"},"modified":"2017-02-19T08:59:21","modified_gmt":"2017-02-19T13:59:21","slug":"4-investments-millennials-like-but-baby-boomers-dont","status":"publish","type":"post","link":"https:\/\/aspire-canada.com\/?p=7405","title":{"rendered":"4 Investments Millennials Like \u2014 But Baby Boomers Don\u2019t"},"content":{"rendered":"

4 Investments Millennials Like \u2014 But Baby Boomers Don\u2019t
\n\"young_investors\"<\/a><\/h2>\n

Millennials and baby boomers are America\u2019s two biggest generations, with the younger set just becoming the largest population group in the U.S., according to the U.S. Census Bureau. They share commonalities beyond their large numbers, though; they have a seemingly similar risk tolerance when it comes to investing.<\/p>\n

When asked to classify their risk tolerance for a UBS Investor Watch report, 13 percent of millennials and 10 percent of baby boomers said conservative. But, only 14 percent of baby boomers said their risk tolerance was somewhat aggressive; among millennials, that number was 24 percent.<\/p>\n

The truth is millennials and boomers are mostly different when it comes to money. Naturally, that affects each group\u2019s financial behavior and investment preferences.<\/p>\n

Why Millennials Invest Differently Than Baby Boomers<\/strong>
\nTo understand why millennials like certain investments that baby boomers don\u2019t, you need a clear picture of their finances.<\/p>\n

Simply put, the young crowd is in the \u201caccumulation\u201d phase of their financial lives while those with more experience are in the \u201cpreservation\u201d phase. Millennials have two things going for them: 1) they\u2019ll likely earn more and more over time, and 2) they have the benefit of time to recover from down markets.<\/p>\n

Conversely, baby boomers left the work life behind them \u2014 or they soon will. If they do work, it\u2019s often part-time. They need their money to last because it\u2019s not as easy for them to recover from a bad economy. This older generation also isn\u2019t saddled with as much student loan debt as millennials.<\/p>\n

It\u2019s also important to understand what these two generations experienced in life. Millennials grew up with internet access, smartphones and seemingly endless information on demand. They also learned a lot about money by watching their parents and witnessing the downturns, downsizing and market losses.<\/p>\n

For the baby boomers, America was a place of social change and programs like the GI Bill, which economically empowered veterans. And phones were attached to physical lines and meant for calls \u2014 not used as cameras and stereos.<\/p>\n

The fact that the two groups are in different financial stages in life makes them fundamentally opposite. Combine that with vast disparities in their life experiences, and it\u2019s no wonder their investment approaches differ.<\/p>\n

Investments Millennials Like and Boomers Stay Away From<\/strong>
\nHere are four investments that millennials gravitate toward but baby boomers steer away from:<\/p>\n

1. Themselves<\/strong>
\nThis might surprise many, but millennials are good at saving and investing in themselves. Fifty-six percent of 18- to 34-year-olds saved at least 5 percent of their income in 2014, an increase of 6 percent, reports Bloomberg Business. Improving savings rates mean millennials are paying themselves first. It also helps that they\u2019re generally pretty thrifty, preferring to keep their money rather than spend it.<\/p>\n

\u201cMillennials tend to plan their purchases and shop for value online,\u201d said David P. Sims, certified public accountant (CPA) and managing member of RidgeHaven Capital LLC. \u201cThis may be a result of necessity, as incomes remained stagnant over the past few years, especially for entry-level professionals.\u201d<\/p>\n

Boomers already invested in themselves, many in the form of long corporate or military service, and earned pensions. They\u2019re not socking away cash like millennials \u2014 it\u2019s already saved and being used for living expenses, such as health care costs.<\/p>\n

2. Their Own Businesses<\/strong>
\nMillennials don\u2019t believe in the \u201cstable\u201d career model of working at one company for 30 to 40 years because they witnessed that paradigm vanish. Instead, today\u2019s young professionals want flexibility and purpose, ultimately meshing their personal and professional lives in search of a better way to work.<\/p>\n

And since technology has made it cheaper and easier than ever to start a business, sometimes entrepreneurship is the way to go. A Bentley University report confers, finding that two-thirds of millennials want to start their own company.<\/p>\n

\u201cMillennials value mission and purpose over and above stability and a big salary. More than previous generations, millennials want who they are to align very closely with what they do,\u201d said Greg Smith, president at Blooom, a registered investment advisory firm. \u201cThey\u2019ll have significantly more and different jobs in their lifetime than previous generations \u2014 partly because of this search for purpose.\u201d<\/p>\n

This all leads to millennials investing in business opportunities, often in the tech field. As recent studies note, they\u2019re embracing entrepreneurship and optimistic about their prospects.<\/p>\n

Boomers, on the other hand, tend to subscribe to the \u201cgolden watch\u201d model described above. It was the norm at the time, and truth be told, the stability of that model was attractive. Still, it\u2019s vastly different from the millennial approach.<\/p>\n

Related: 8 Startups That Turned These Millennials Into Millionaires<\/a><\/p>\n

3. Exchange Traded Funds (ETFs)<\/strong>
\nETFs can truly be great investment options for almost anyone. They offer diversification, low fees and tax efficiency.<\/p>\n

When millennials invest, they seek passive management and often flock to the broad-based ETF that tracks an index, like the S&P 500 or Dow.<\/p>\n

\u201cMillennials have become do-it-yourselfer research fanatics,\u201d said Michael R. Beck, executive vice president and portfolio manager at Gerald L. Ray & Associates in Dallas. \u201cETFs are transparent, cost effective and easier to understand \u2014 a perfect recipe for the millennial.\u201d<\/p>\n

While ETFs might comprise a small portion of a typical baby boomer\u2019s portfolio, more often mutual funds and managed accounts are the norm. It comes down to habit and what they know.<\/p>\n

\u201cBoomers have been successfully investing in mutual funds since the mutual fund boom of the 1980s,\u201d Sims said. \u201cOver three decades, they\u2019ve come to understand how this works and feel comfortable with it.\u201d<\/p>\n

4. Technology<\/strong>
\nMake no mistake: There are tech-savvy people of all ages. It seems every day we\u2019re surprised by a text from Grandma or seeing Grandpa\u2019s latest Facebook update.<\/p>\n

With that said, technology is interwoven in the millennial fabric and has been from the beginning. Who do you think is waiting in line to buy the latest iPhone? Not Grandpa Joe.<\/p>\n

Millennials love tech devices and often use technology to buy technology. And, they\u2019re also investing in high-tech company stocks.<\/p>\n

\u201cMillennials are consistently dubbed the technology generation, and this translates to their investment style as well, as the top holdings for millennials include Apple, Facebook, Tesla and other such companies,\u201d said Scott Mullen, who serves on the investment committee at U.S. Securities and Exchange Commission (SEC) registered investment advisory firm, Miracle Mile Advisors in Los Angeles.<\/p>\n

While technology is increasingly prevalent for the boomer crowd, it\u2019s not reflected as much in their investment strategy. To be sure, they\u2019re investing in tech \u2014 it seems that everyone invests in Apple and Facebook \u2014 but they also want stocks that pay dividends, like AT&T and Johnson & Johnson.<\/p>\n

For now and the near future, baby boomers and millennials alike will command marketers\u2019 attention because of their size and buying power. It\u2019ll be interesting to see where the world goes as these demographic shifts play out and markets respond, yielding new investment opportunities.<\/p>\n

This article originally appeared on GoBankingRates.com<\/a> and was syndicated by the Personal Finance Network.<\/p>\n","protected":false},"excerpt":{"rendered":"

4 Investments Millennials Like \u2014 But Baby Boomers Don\u2019t Millennials and baby boomers are America\u2019s two biggest generations, with the younger set just becoming the largest population group in the U.S., according to the U.S. Census Bureau. They share commonalities beyond their large numbers, though; they have a seemingly similar risk tolerance when it comes…<\/p>\n

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