International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

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Volume 7 Issue 2
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Factors Affecting Gen Z Investment Decisions

Author(s) Ms. Charlotte Robert Joseph, Shruti Jose
Country India
Abstract This study examines factors influencing Gen Z investment decisions, focusing on financial literacy, behavioral biases, risk tolerance, and demographics. With Gen Z emerging as a key investor group, understanding their behavior is crucial for financial stability and wealth creation.
Using a quantitative approach, data from 200 Gen Z respondents were analyzed through regression analysis, ANOVA, and correlation analysis. Results show financial literacy boosts investment confidence, moderated by risk tolerance. While self-attribution bias increases confidence, biases like hindsight, availability, and herd behavior have minimal impact. FOMO slightly reduces confidence, indicating social pressure may impair rational decisions.
Financial autonomy, investment trends, and risk tolerance enhance confidence, while over-reliance on financial advice lowers it. Age, income, and experience also shape confidence levels. The study emphasizes the need for targeted financial education to foster critical thinking, risk management, and responsible investment practices, empowering Gen Z for informed decision-making and long-term financial security.
Keywords Gen Z investors, investment confidence, financial literacy, risk tolerance, behavioral biases, self-attribution bias, hindsight bias, availability bias, herd behavior, FOMO, investment criteria, investment motivations, financial decision-making, financial security, wealth accumulation.
Field Sociology > Banking / Finance
Published In Volume 7, Issue 2, March-April 2025
Published On 2025-03-24
DOI https://doi.org/10.36948/ijfmr.2025.v07i02.39688
Short DOI https://doi.org/g89v6k
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