The scenario of investments in the non -professional private sector is changing, in particular for the greatest presence of young investors, which overlook the market with new priorities and strategies. According to recent research, 30% of the Gen Z start investing when it is still at university and, a vote that entered the world of work, 86% already have a basic knowledge of investments. This generational change is leading to a change in priorities, with an emphasis on short -term objectives, new assets and increasingly digital decision -making tools.
Retail more and more taken to Wall Street
According to an analysis conducted by Freedom24, a brokerage company listed on the American stock exchange, retail investors are actively entering the stock market and an aggregate demand potentially equal to 500 billion dollars is estimated in 2025. In the meantime, the low volatility suggests that the current bullish phase of the market is not driven by fear and emotion, but by a gradual and measured interest. The increase in interest rates also increased the attraction of monetary funds, which is increasingly avcessable to small investors, thanks also to the Fintech applications, which have simplified access to these tools and “taught” to private investors to act according to an institutional logic.
The 5 challenges for the second half of 2025
Freedom24 has identified five key “knots” that investors have to face in the coming months and take into account it in outlining their investment strategy:
- Inflation and volatility: these are the main sources of concern and prevent the implementation of long -term strategies.
- Commercial policies: import duties, announced at the beginning of the year, approach 15% on average despite the mitigation measures.
- Geopolitical: the conflict in the Middle East, in particular between Iran and Israel, is generating strong volatility and leading to a revaluation of the risk in the assets related to raw materials.
- US market overvaluation: the current price/profit ratio of 22 times limits the additional growth potential and could encourage capital flows to more attractive regions.
- Political volatility and loss of macroeconomic anchors: classical indicators (inflation expectations, tax discipline) are losing predictability and investors are forced to adapt to a new normality, in which policy and geopolitics Cntano more than economic data.
The race to AI also involves energy
Artificial intelligence is not only transforming the decision -making approach, but has also become an investment issue in its own right. The “armaments race” taken in the AI sector goes beyond the big tech. The growing demand for calculation and data center is pushing the interest in the “second level”: energy infrastructures, sustainable energy gas and energy sources. The high energy density and reliability make these assets particularly attractive in the AI era.
How to move in the second half of 2025?
In a context of persistent uncertainty, it will be important not to limit yourself to following the tendencies, but adapt their strategies to the risk profile and their financial maturity.
“In 2025, retail investors are faced with a double reality: on the one hand, macroeconomic risks generate short-term fluctuations, on the other, long-term structural trends, such as IA, represent growth engines. The high assessment of the US actions requires an approach more attentive to the entry points, while the obligations are gradually regaining relevance thanks to yields higher than the pre-pandemic levels. The private market offers new windows of opportunities, but requires a particularly rigorous analysis “, says Francesco Bergamini, head of repartitive office of Freedom24 in Italy, adding” a strategy for the second half of 2025 should be based on a wide diversification, assets protected by inflation and an approach governed to the selection of titles, with a clear geographical diversification “.
Freedom24 gives some key suggestions to build a more resilient strategy:
- Geographical diversification and for factors: you can opt for a mix of growth and quality actions from the United States, cyclical assets from Japan and underestimated segments of Europe, but selective investments are also to be considered in emerging markets (India, United Arab Emirates and Mexico) to compensate the currency risk and accelerate returns.
- Balance between protection and performance in bonds: a strategy to climb in the US government bonds with deadlines from 6 months to 5 years allows you to exploit the falling yield curve; 10-15% can also be allocated to investment grade corporate bonds and up to 5% with short-term high-yield debt or private credit funds, with Covenant monitoring.
- Focusing on secular issues with discipline: ETF -based tools allow thematic investments in IA, green metals and biotechnology, but it is recommended to limit the share of each topic at most 5% of the total portfolio.
