Generation Z (Gen Z) is becoming the largest group of users of investment products. Young investors not only enter the market earlier but also demonstrate more disciplined investment behavior. This conclusion was reached by analysts at Binance Research in a study focused on the behavior of the new generation of investors.
According to the research, representatives of Gen Z start investing significantly earlier than previous generations. 30% of young people made their first investment while still studying at university or at an early adult age. For comparison, this figure is 15% among millennials, 9% among Generation X, and only 6% among the older generation.
Along with an earlier start, financial preparedness is also high. 77% of Gen Z indicated that they received formal financial education, while the figure for millennials is 69% and for Generation X is 58%. Thus, the generation often considered the most impulsive is actually the best prepared for making investment decisions.
This is also reflected in the use of investment products. Today, Gen Z is the largest age group of users of Binance Direct Stocks and bStocks services, accounting for 44% of users of each service. In the TradFi-Perps segment, Gen Z's share reaches 45%, matching that of millennials, while 48% of users of all three TradFi products from Binance are also Gen Z representatives.
The research shows that young people's interest in investments continues to grow. The share of Gen Z among new users of Binance's TradFi products increased from 41% in January 2026 to 47% in July.
The study also confirms that, contrary to popular belief, young investors do not take excessively high risks. Only 5.9% of Gen Z's trading volume is attributed to leveraged ETFs, the lowest figure among all age groups. Additionally, they execute an average of 2.6 trades per day, while the average for other users is 3 trades.
The choice of assets also indicates a balanced approach. The most common first investment among users of Binance Direct Stocks is NVIDIA (20%), followed by Micron (8%), as well as ETFs tracking Tesla, Apple, and the Nasdaq-100 index. Overall, about 60% of investment portfolios are concentrated in the information technology and communication services sectors, while about 26% are in shares of semiconductor manufacturers.
Despite Gen Z having the smallest investment capital among all age groups, their contribution to the development of investment products continues to grow. Since the beginning of 2026, this generation has accounted for approximately $80 billion in trading volume in Binance's TradFi products, with monthly trading volume increasing on average by 24%.
According to Binance Research, this data indicates the formation of a new generation of investors who enter financial markets earlier, possess higher financial literacy, and view investments as a tool for long-term participation in the global economy.
