Smart investing on the move: from young investors to a global strategy

Young investors are stepping in, older generations remain on the sidelines

According to Rabobank, 35% of those aged 25 to 34 now invest, compared with just 20% among those aged 55 to 64. “We see that investing is particularly popular among younger generations. The share of investors is highest in the 25–34 age group,” notes Rabo Research (September 2025).

The composition of their portfolios also reflects a distinct approach: on average, 52% is held in cash, 41% in traditional investments such as funds and ETFs, and 7% in cryptocurrencies. Among those who invest in crypto, the share rises to 25%. Younger investors display a higher tolerance for risk and a greater willingness to explore emerging asset classes.

Media messages spur action

Investing is also receiving growing attention beyond the financial sector. The public conversation has become more direct and action oriented. NPO Radio 1 notes: “Your money is just sitting there, losing value but it could be growing.” BNR adds: “Saving guarantees a loss; investing pays off.”

Investment platforms and financial influencers amplify this narrative. “Despite total savings exceeding €600 billion, an increasing number of Dutch people particularly younger generations are turning to investing as an alternative to low savings rates and inflation,” reports De Belegger (February 2025).

The social consensus is clear: inaction increasingly feels like falling behind. Investing, long accessible to the public, is now presented as the logical next step in building financial resilience.

A generation seeking simplicity and trust

Platforms like SemmieWealth (a digital asset manager) are responding by lowering barriers to entry. With intuitive onboarding, clear risk profiles, and automated portfolio rebalancing, they provide access to investing without requiring prior expertise. Their mission is clear: “We make investing simple, understandable, and responsible. For everyone.”

Not only specialized platforms like SemmieWealth but also banks such as ING and ABN AMRO and insurers such as NN and Achmea are developing solutions that emphasize simplicity, transparency, and trust. ABN AMRO, for instance, offers a “Beleggers Spaarrekening” (“Investor Savings Account”) which combines saving and investing under a single account number, allowing customers to maintain a buffer while aiming for returns (ABN AMRO, 2025). ING’s BeleggersBarometer (July 2025) shows that investors are increasingly positive about their financial situation and more willing to accept higher levels of risk, indicating growing confidence in invested assets.