Generational Differences in Investment Choices – An Empirical Comparison of Gen X Millennials and Gen Z”

This study looks at how three generations—Gen X, Millennials, and Gen Z—make different investing decisions. The study focuses on how risk tolerance, income levels, technology exposure, and financial literacy affect investing behaviour. Investment habits have changed dramatically over generations due to the quick changes in financial markets and the emergence of internet platforms. Thus, the purpose of this study is to analyse and contrast the investment decisions made by Gen Z, Millennials, and Gen X. Their preferred investment options, attitudes toward risk, and the variables influencing their financial decisions are the main objectives of the study. The study aims to shed more light on how generational traits affect investment behaviour by examining these variations. The study examines preferences for both contemporary assets like equities, mutual funds, and cryptocurrencies as well as more conventional ones like gold and fixed deposits using both primary and secondary data. Results show that Millennials take a balanced approach, Gen Z is more likely to choose high-risk, tech-driven assets, while Gen X favours stable, low-risk investments. The study emphasises how crucial it is for policymakers and financial institutions to comprehend generational variations in order to provide appropriate financial products. Overall, the study highlights how technology and financial literacy influence contemporary investing choices and offers insights into changing investment trends.