Pourquoi les millennials devraient s’intéresser à l’investissement flexible et diversifié ?
Millennials, those born between 1981 and 19961, have grown up in a world with distinctly different financial challenges compared to older generations. Nowadays, younger people need to think very differently about how to manage their money.
Trends around spending
Trends around saving
Why millennials need to start thinking about investing…
One in three people born today are now predicted to live beyond 10011, which means that even increasing contributions to workplace pensions isn’t necessarily enough to ensure a comfortable retirement.
Given the prolonged backdrop of low interest rates in the UK12 and the US13, relying on cash accounts alone is unlikely to provide millennials with rich financial rewards.
Multi-asset investing could be a good solution for millennials who are seeking consistent returns and a steady income stream from global investment markets.
Why multi-asset investing?
Combine the most attractive qualities of multiple asset classes, which investors can use to target the financial outcomes they value most.
Investors’ route to diversification can be:
- Less complicated
- Less time-consuming
- Less expensive
…by using the strategy in one of two ways:
As a one-stop solution
As a core holding to which an investor can add single asset class bricks to benefit from other opportunities or specific themes
A flexible approach to potentially benefit from evolving market conditions
In an ever-changing macroeconomic environment, being able to achieve their investment goals is becoming more of a distant dream for investors of all ages…
…but a flexible allocation in a multi-asset strategy could deliver the sustainable returns needed to make it a reality.
1 Michael Dimock, Defining generations: Where Millennials end and Generation Z begins, Pew Research Center, 17 January 2019 2 Higher Education funding in England: past, present and options for the future, Institute for Fiscal Studies, 5 July 2017
3 Millennial money statistics, Finder UK, 15 March 2018
4 Study by Cassandra France, 2018, commissioned by Snap Inc
5 Economic understanding, financial culture and digitalisation in adolescents and young adults, GfK, 25 July 2018
6 Nicola Borzi, So the Italians go into debt for the degree, Valori, 29 August 2019
7 Rupert Jones, Don't believe the hype about millennials and money, data suggests, The Guardian, 11 May 2019 8 Youth savings and their interest in innovative investments, Cafedelabourse, 18 April 2017
9 Generation Y likes to enjoy now and save later, GfK, 28 April 2016
10 Benedetta Gandolfi, To learn how to save, look at how millennials do it, Wall Street Italia, 25 March 2019 11 What are your chances of living to 100?, Office for National Statistics, 14 January 2016 12 Szu Ping Chan, Bank of England forecasts low interest rates for longer, BBC News, 19 September 2019 13 The Fed cuts rates for the first time in over a decade, The Economist, 1 August 2019
Not for Retail distribution: This document is intended exclusively for Professional, Institutional, Qualified or Wholesale Clients / Investors only, as defined by applicable local laws and regulation. Circulation must be restricted accordingly.
This document is for informational purposes only and does not constitute investment research or financial analysis relating to transactions in financial instruments as per MIF Directive (2014/65/EU), nor does it constitute on the part of AXA Investment Managers or its affiliated companies an offer to buy or sell any investments, products or services, and should not be considered as solicitation or investment, legal or tax advice, a recommendation for an investment strategy or a personalized recommendation to buy or sell securities.
Due to its simplification, this document is partial and opinions, estimates and forecasts herein are subjective and subject to change without notice. There is no guarantee forecasts made will come to pass. Data, figures, declarations, analysis, predictions and other information in this document is provided based on our state of knowledge at the time of creation of this document. Whilst every care is taken, no representation or warranty (including liability towards third parties), express or implied, is made as to the accuracy, reliability or completeness of the information contained herein. Reliance upon information in this material is at the sole discretion of the recipient. This material does not contain sufficient information to support an investment decision.
Issued in the UK by AXA Investment Managers UK Limited, which is authorised and regulated by the Financial Conduct Authority in the UK. Registered in England and Wales No: 01431068. Registered Office: 7 Newgate Street, London EC1A 7NX. In other jurisdictions, this document is issued by AXA Investment Managers SA’s affiliates in those countries.