Corporate Financial Management in Facing Tax Changes

 

Analysis of Factors Influencing Millennial Investors' Decisions in the Capital Market

1. Financial Literacy and Education

Millennials with higher financial literacy are more confident and active in investing.

Access to online courses, social media finance influencers, and investment apps enhances knowledge and engagement.

2. Digital Platforms and Technology

Preference for mobile-first platforms with intuitive user experiences.

Availability of robo-advisors, fintech apps, and commission-free trading attracts tech-savvy investors.

3. Social and Environmental Values

Strong inclination toward sustainable and ethical investing (e.g., ESG funds).

Millennials often seek investments that align with their personal values and contribute to positive change.

4. Risk Tolerance and Investment Behavior

Generally moderate risk tolerance; open to high-risk/high-return assets like cryptocurrencies or startups.

Favor long-term wealth-building but influenced by trends and social media.

5. Influence of Peers and Social Media

Investment choices are often influenced by online communities (e.g., Reddit, TikTok, Twitter).

Herd behavior and FOMO (fear of missing out) can drive speculative decisions.

6. Economic Environment and Job Market

Economic instability, student debt, and delayed wealth accumulation impact investment capacity.

Greater sensitivity to inflation, interest rates, and housing affordability.

7. Access to Information and Transparency

Millennials demand transparent data, performance tracking, and real-time market updates.

Prefer platforms and firms that provide clear fee structures and ESG disclosures.

8. Desire for Control and Personalization

Prefer self-directed portfolios over traditional advisory services.

Interest in personalized investment options tailored to goals and risk profiles.