Millennial women are investing earlier, in more diverse asset classes, and with greater confidence than any generation before them. According to Schwab’s 2025 Women Investors Survey, the average millennial woman begins investing at age 27 – nearly a decade sooner than boomer women – and sees investing as something empowering and enjoyable.
Key Insights
- Confidence: 31% of millennial women report feeling “very confident” in their strategy – higher than Gen X or boomers.
- Motivation: Fewer cite retirement as their main reason to invest, focusing instead on learning, building wealth, and financial independence.
- Empowerment: Over half say investing gives them a sense of empowerment, and 73% proudly call themselves “investors.”
- Diversity of investments: They are significantly more likely to hold crypto, options, and alternatives, reflecting a willingness to explore beyond traditional assets.
- Strengths: Patience, planning, and open-mindedness are their standout traits – forming a strong foundation for long-term success.
Why This Matters
This generational shift is reshaping wealth management. Millennial women are digitally savvy, values-driven, and eager to engage. Financial institutions that adapt to their preferences – with education, access to diverse products, and personalised advice – stand to win their loyalty for decades to come.