If you've been around for long enough you'll have noticed that the investment
world has evolved tremendously things have certainly changed for the better
from the emergence of new digital assets like cryptocurrencies to greater
accessibility of investment platforms but despite all this it seems we're only
getting started looking into the future investing still holds a ton of potential
that we're yet to tap into and in this video i will share with you five ways
investing will change in the next decade and if you're new to the channel then
hit the subscribe button below for more life-changing content number one
investing will be more digital based more than anything else investing will
morph significantly in the lines of technology the first change that we'll
witness in the next decade is the significant depreciation of traditional
investing methods digital based investing is highly likely to eclipse
traditional investing tools as expected investors will embrace robo investors as
opposed to in-person financial advisors if you're wondering what these robo
advisors are they are financial software or digital investment platforms that use
algorithms to generate financial advice robo advisors function independently and
hardly ever need human supervision more so in the stock market robo advisors are
gaining popularity fast in 2020 the robo advisor industry handled an investment
portfolio worth 460 billion dollars and this figure is likely to triple in the
next decade but it's only prudent to ask what makes these financial technologies
so tantalizing well the benefits of this evolution are immense to begin with robo
advisors expand investors options when it comes to steering their investments
before the inception of robo advisors investors had to choose between getting
down and dirty and doing everything solo or hiring a professional financial
advisor to help them navigate the complexities of wall street as expected
the first option rarely ever ends well if you're a green visitor in the
financial world as for hiring professionals it can strain your budget
utterly but thanks to automated investment platforms investors can enjoy
the benefits of professional management via an automated platform also robo
advisor companies like vanguard are starting to lean towards hybrid options
that merge algorithms and human input this means that if you prefer an
emotional connection that human advisors often bring in you still have options to
choose from when this happens it'll be harder for financial advisor companies
to exploit their clients or steal from their portfolios thanks to the
widespread availability of financial education the blind trust that past
generations of investors have had in advisors will disappear also the
benefits of digitized investing will also extend towards investment companies
investment technologies will increase the possibilities of highly personalized
investing techniques tech focused brokerages will allow investors to
invest directly in a pre-made diversified allocation of assets this
means that you won't have to hire a fund manager to help you choose the best
assets to invest in instead we'll have subscription-based investment services
that offer customized collections of stocks bonds and crypto holdings all
tailored to fit your budget risk appetite and time horizon number two
investing fees will decline due to the growing adoption of wealth management
tools like robo advisors investment costs will diminish significantly less
in-person interaction will translate into lower overheads for investing
companies and lower fees for investors in general since robo advisors often
require very minimal opening balances investing will be accessible to high and
low income earners alike with robo advisor companies lowering their
thresholds the investment demographic will keep expanding this simply means
that we'll have more investors than we do now now let's look at the financial
benefits that we'll reap from robo advisors personally it costs thousands
of dollars to onboard a skilled financial advisor not to mention
executing in-person consultations can also be costly from a time perspective
but with robo advisors automated technologies carry a heavier load and
the human input needed is very minimal in most cases as a result the fees
incurred from using automated technologies range between a quarter and
half a percent per year if you compare this with the standard portfolio fees
that range between three to four percent the difference is hard to ignore not to
mention robo advisors are accessible with just a few taps of your finger or
clicks of your computer mouse by simply logging into an app you can access a
synergy of professional financial advice and automated investment execution this
means that you can switch up your risk profile update your portfolio and keep
up with your investing goals without involving a third party finally robo
advisors exclude emotions from the investment equation seemingly
emotionally powered investing often cumulates into a rational investment
decisions with robo advisors the chances of selling your stocks at a few are low
since these tools analyze and invest on your behalf some robot investors also
conduct portfolio rebalancing and such benefits will be polished in the next
decade frankly all these benefits are worth leaving the present behind number
three there will be greater importance on self-investing for retirement frankly
the idea of joining a corporation at 23 and clocking in every day for 35 years
is worn out in the next decade the retirement scene will be nothing close
to what it resembles today the reward for employee loyalty will be everything
else apart from hefty pension schemes with the nearly two-thirds of pension
funds considering the letting go of guaranteed worker benefits within the
next five years the possibility of their existence beyond 10 years is bleak for
private sector employees defined benefit plans will ebb into existence making way
for a defying contribution plans the difference well the former places the
burden of retirement on the employer the latter option places a load on the
employees savings efforts for companies the option to define contribution plans
will significantly reduce their operating costs as the burden of
retirement shifts from the employer to the employee so are the costs
consequently private sector employees will have no other option than to fend
for their nest eggs actively self-funded retirement plans through tax advantage
accounts will be the norm by the year 2030. this means that we need to brace
up to employer-sponsored plans like 401ks or individual retirement accounts
iras defying contribution plans like 401ks will take over the retirement
scene and while this is a good piece of news to employers these dynamics present
a different ball game for the workers they will no longer enjoy free monthly
paychecks post retirement instead the amount of money they accumulate in their
nest egg will depend solely on their efforts towards contributions also
employees will have the final say when picking the assets to invest in
depending on every individual's retirement goals they'll be at liberty
to choose between mutual funds index funds or even individual stocks in fact
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number four investors will invest at much younger ages it's a score that is
refused to be settled for quite a while millennials versus jen's ears who's
better while i don't intend to stir another battle of the generations jen's
ears continue to pull off pleasant surprises when it comes to money and the
trend is here to stay many experts predict that the conventional investing
age will go down exponentially in the future with millions of gen zeros on the
verge of debuting in the workforce it's clear that the incoming generation of
employees and entrepreneurs is hungry for success already this hunger is
visible mainly thanks to the spurt of new inventions that young people drive
today we have multiple avenues of generating income that are unmindful of
whether you have an id or not from youtube gaming blogging coding to social
media marketing this younger generation isn't playing when it comes to minting
cash we have youngsters taking over the gaming industry starting valuable
businesses and learning the complexities of coding very early clearly young
people are positioning themselves for income generation early which will have
a ripple effect on the investment world in the next 10 years it will be common
to find 18 year olds knowing the ropes of the stock market and buying all the
new age assets that will exist fortunately technology has listed the
barriers that once limited older generations from investing while young
brokerages now need a minimum age of 18 years to open accounts and this age may
be lowered a bit even if it's dropped future young people won't struggle with
navigating the investment markets for one the power of financial education
doesn't discriminate against any age anyone who's determined to learn the
workability of financial markets can do so from the comfort of their homes not
to mention there's a possibility of financial education units slipping into
school curriculums teaching kids how to spend wisely save and invest will fan
the fire of setting up a healthy financial lifestyle on top of that
parents are also starting to get concerned with the financial health of
their kids this means that we'll have many parents opening investment accounts
for their kids within the next decade and doing a financial advice where
necessary and if you ask me the benefits of investing young are boundless early
investing enables young investors to have a more excellent disposition
towards taking risks bouncing back from losses and growing money exponentially
thanks to the power of compounding here's the bottom line within the next
10 years young people in their early 20s or younger will flock to the investment
markets with a firm resolve not to repeat the older generation's financial
mistakes this means that the stock market nor any other financial markets
will be strictly accessible to financial gurus in the future number five
investors will invest in more new age assets sectors and industries it turns
out the theme for the stock market will switch massively in the next decade a
change in demographic will trigger these changes in addition to emerging
technologies and phasing out of industries as new ones take over in
addition behavioral changes will contribute massively to how people
invest for instance the 2030 investor will be mobile and versatile as people
adapt to remote working technologies digital investment options will have
their heyday more and more people will pull back from traditional real estate
investments that require supervision consequently cryptocurrencies and other
new age assets will probably blow up not only will the skepticism around bitcoin
vanished entirely but minor digital currencies will sprout and catch the
investors eyes as well in addition as the rules of the game change consumers
will begin to demand different things at the heart of this are seamless shopping
experiences and highly customized services delivered to technology what
does this mean for the investment community well the next decade is
promising when it comes to birthing technology intensive industries some
examples of new age assets that will garner fame include electronic vehicles
chat bots robots ai and biotechnologies aiming to reduce pollution from this
list af focused industries will boom the most we'll have companies producing
robots and investing heavily in virtual reality as well but technology focused
companies won't be the only beneficiaries of changing consumer needs
with increased concerns about health and an aging boom or population healthcare
is expected to reap profits specifically the fusion of healthcare and technology
will birth a rapture biotechnology industry so if you're targeting
long-term stock market returns healthcare stocks should be high up on
your list of priorities also important to note is a predictable
shift in business models within the next decade when consumers begin to change
businesses will have no choice but to shift your models and coincide with
their needs the companies that can adapt to the changing consumer needs and
widening client base will benefit from high profitability while those that
remain rigid will remain stagnant or witness downfall so expect many
businesses phasing out and new ones chiming in now at this point you know
more about the future of investing than 99 of people but the problem is that you
may not have the money to take advantage of this knowledge which is why in this
next video i will share with you how i was able to 10x my income and how you
can do the same so click on over and let's get started