gen z investing strategies

Gen Z Investing Strategies (Investing in Your 20’s for powerful results)

Gen Z, We Love You

With graduation season upon us, we wanted to share some investing concepts with younger folks so they can launch into building wealth with a strong start. Here are ways that Gen Z investing strategies can make them rich and build a life of True Wealth!

I am not one of those middle aged dudes that is down on the newer generations. In fact, I am generally upbeat about the future and believe gen Z and others will figure things out and make the world a better place. Every generation is a bit different because we have different experiences. But when we take the best ideas and allow them to compete, we all win!

Investing in Your Twenties: Building a Strong Financial Foundation for the Future

Believe it or not, the oldest Gen Z are now over 23 and that means that each year more of them are launching into their careers and beginning the process of building families and wealth. And apparently Gen Z investing accounts are going pretty well, check it out:

The 20’s are critical

The 20’s are not critical for the reasons many believe. Looking back, the 20’s were not so much about how much I invested or saved, but more about building good habits. In my 20’s I made a very average salary, at times quite below average. So there really was not a lot of extra money sloshing around to seek investing opportunities. And for those wondering, inflation is not a new thing, housing, education and other items all still seemed expensive relative to my salary.

In my 20’s I dedicated myself to learning about various aspects of investing. In my late 20’s I started seriously automating investments into an IRA/401k and saved enough money to buy a small starter condo. These early habits have made a huge difference in my life.

Do Not Be Discouraged

It is never too late to make positive healthy choices. This is a key aspect of The Money Vikings mantra. So even if we make mistakes in our 20’s, which we all do, myself included, we can always make new choices the next day. Gen Z investing strategies will evolve over time and I feel confident you can do it!

Welcome to Investing

Welcome to the world of investing! Your twenties are a prime time to lay the groundwork for a secure financial future. By starting early, you have a valuable advantage—time. This blog post aims to provide guidance and key considerations for young investors like yourself, empowering you to make informed decisions and set yourself up for long-term success.

1.      Set Clear Financial Goals:
Before diving into the investing world, it’s crucial to define your financial goals. Determine what you want to achieve—whether it’s saving for a down payment on a home, starting a business, or planning for retirement. Having specific goals helps shape your investment strategy and provides motivation along the way.
2.      Establish an Emergency Fund:
Building a solid financial foundation begins with creating an emergency fund. Set aside three to six months’ worth of living expenses in a liquid, easily accessible account. This safety net provides a buffer in case of unexpected events, allowing you to weather financial storms without derailing your long-term plans.
3.      Educate Yourself:
In my view, this may be one of the most critical things to do in your 20’s. Investing can seem complex, but knowledge is your best asset. Take the time to educate yourself about different investment options, asset classes, and risk management strategies. Online resources, books, podcasts, and even investment courses can be valuable sources of information. Remember, becoming a well-informed investor is a continuous journey. Search gen z investing strategies to learn even more and become educated on the topic of money management and wealth building.
4.      Start with Retirement Savings:
In your twenties, retirement might seem far off, but time is your ally. And trust me, the years and decades clip by. Begin contributing to retirement accounts like a 401(k) or an individual retirement account (IRA). Maximize any employer matching contributions and consider investing in low-cost index funds or diversified target-date funds. The power of compounding will work in your favor, helping your savings grow over time.

Check out the way we automated investing and used The Money Viking Investing Trifecta to build wealth!

5.      Diversify Your Portfolio:
Diversification is a fundamental principle of investing. Spread your investments across different asset classes, such as stocks, bonds, and real estate, to reduce risk. Within each asset class, diversify further by investing in various industries and geographies. Regularly review and rebalance your portfolio to ensure it aligns with your risk tolerance and goals. Gen Z investing strategies will demand a diversified approach given all the uncertainties of the world.
6.      Embrace a Long-Term Mindset:
Investing is a marathon, not a sprint. Resist the temptation to chase short-term gains or succumb to market fluctuations. Stay focused on your long-term goals and stick to your investment plan. Time in the market is more important than timing the market. Gen Z investing strategies can have a long term view because you have many decades ahead to build wealth.
7.      Stay Disciplined and Consistent:
Consistency is key in building wealth. Make investing a habit by setting up automatic contributions to your investment accounts. Even small amounts can accumulate over time. Avoid making emotional investment decisions based on market volatility or short-term news. Stay disciplined and trust in your investment strategy.


Congratulations on taking the first steps toward building your investment portfolio in your twenties and developing strong Gen Z investing strategies. Remember, investing is a journey that requires patience, education, and adaptability. By setting clear goals, diversifying your portfolio, and staying committed to a long-term perspective, you can lay a strong financial foundation and pave the way for a prosperous future.

Happy investing!

(Note: This blog post is for informational purposes only and should not be considered as financial advice. It’s always recommended to consult with a financial professional before making any investment decisions.)

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Gen Z investing overview!

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