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Do you think Millennials/Gen Z will "hold down" the stock markets in the coming decades?

Posted on 2/6/26 at 1:08 am
Posted by FAT SEXY
California
Member since Jun 2020
1741 posts
Posted on 2/6/26 at 1:08 am
When Boomers/Gen X start trickling out of the markets in the coming years do you think the next generation(s) will carry the baton at a similar level?

I have my doubts.
Posted by dome53
Member since Apr 2009
1846 posts
Posted on 2/6/26 at 1:35 am to
Isn’t it something like half of the total stock market is held by 1% of the population or so? I think it’ll be fine.
Posted by grsharky
Member since Dec 2019
283 posts
Posted on 2/6/26 at 4:36 am to
I think it will keep chugging fine. It seems like millennials (I’m one) are starting to really catch up after a shaky start. As for Gen Z, they were born into a world with such easy access to the market, and many that I talk to are participating.
Posted by beaverfever
Arkansas
Member since Jan 2008
35782 posts
Posted on 2/6/26 at 4:42 am to
I have a “peak S&P” theory but it wouldn’t be popular here. Obviously I don’t think the S&P has peaked nominally but capital could be less concentrated in the major US indices in 15 years as alternative investments become more attractive. I’d still bet big on mega caps fwiw.
Posted by Suntiger
STG or BR or somewhere else
Member since Feb 2007
35905 posts
Posted on 2/6/26 at 6:05 am to
Most Boomers participate in the market via 401Ks. Those didn’t start until the late 70s and didn’t become prevalent until late 80s early 90s. Because of compounding interest, they have a lot in the market, but it won’t be as much as younger people who start off with a 401k.

Also, I think the market has grown to 20% retail market and ease of information and access or higher than ever. Things like wallstreetbets and bitcoin etc have engaged younger investors more so than when Boomers were their age.

All that to say, I don’t think you see younger generations cycling out of the market unless something really bad happens.

But that’s just, ya know, like my opinion man.
Posted by NC_Tigah
Make Orwell Fiction Again
Member since Sep 2003
136567 posts
Posted on 2/6/26 at 7:00 am to
quote:

When Boomers/Gen X start trickling out of the markets in the coming years do you think the next generation(s) will carry the baton at a similar level?
Odd premise.

First off, any group (Gens- Y, Z, or alpha) who inherit stock portfolios will be highly motivated to manage them well.

But corporate performance drives the market. Investors simply ride the wave. So I guess your question really is "when Boomers/Gen X trickle out of corporate America in the coming years will the next generation(s) carry the baton at a similar level?"

Those future gens should be just fine, especially with an almost certain AI assist. My biggest concern is neither their market prowess, nor their corporate savvy, but rather the giant national debt bomb being handed to them.
Posted by tigerfoot
Alexandria
Member since Sep 2006
61036 posts
Posted on 2/6/26 at 8:38 am to
quote:


When Boomers/Gen X start trickling out of the markets in the coming years do you think the next generation(s) will carry the baton at a similar level?

I have my doubts.
They are driving the market now. Look at the guys running monstrous tech companies, Zuckerberg comes to mind. They are young and smart. This market is being driven in large part due to their companies.
Posted by UltimaParadox
North Carolina
Member since Nov 2008
52153 posts
Posted on 2/6/26 at 8:44 am to
quote:

Gen Z are leading the way when it comes to investing – with more than double the number putting their cash to work investing for the future compared to Baby Boomers.


quote:

Millennials aren’t far behind, with 46 per cent investing in the past 12 months.


Posted by RJSambola
Member since Jun 2012
379 posts
Posted on 2/6/26 at 8:44 am to
I'm personally convinced most of the market growth is driven by 401k funding. Surely the market has had more inflows the past 20 years than any other time period, even adjusting for inflation.

The question is, will inflows be outpaced withdrawals at some point in the future that directly affects my position...
Posted by el Gaucho
He/They
Member since Dec 2010
58679 posts
Posted on 2/6/26 at 8:45 am to
quote:

I have a “peak S&P” theory but it wouldn’t be popular here

Share with the class

Posted by deltaland
Member since Mar 2011
101482 posts
Posted on 2/6/26 at 9:44 am to
I think the AI era will be interesting with the market.

Imagine letting an AI do your investing and make all decisions based on fundamentals and risk management with no emotion involved.

It may not be there yet, but it’s coming. It could eliminate emotionally charged sell offs

But it could go the other way and trigger massive sell offs based on poor fundamentals as well. Particularly when the market is seen as overvalued
Posted by el Gaucho
He/They
Member since Dec 2010
58679 posts
Posted on 2/6/26 at 10:04 am to
I think it’s joever for people that are younger than 40 that aren’t eligible for welfare if you catch my drift


We’re all gonna be like Clint Eastwood in gran torino except a Silverado since trucks will be illegal
Posted by DarthRebel
Tier Five is Alive
Member since Feb 2013
25289 posts
Posted on 2/6/26 at 10:41 am to
quote:

Boomers


This generation is not doing anything to drive the market. They are just sitting back taking in 401k/pension/social security

quote:

Gen X

These are probably your biggest retail market movers. All have 401k pretty much and saw the invention of not needing a broker to make trades.

quote:

Millennials

100% next as the big mover, as they have aged out of their stupidity and into adult life. Will be getting windfalls from dying boomers and GenX

quote:

Gen Z

67% chance they are still broke and dumb. Going to be a conservative generation in politics, greed is good mantra is coming.
This post was edited on 2/6/26 at 10:42 am
Posted by LSURussian
Member since Feb 2005
134057 posts
Posted on 2/6/26 at 10:49 am to
quote:

Do you think Millennials/Gen Z will "hold down" the stock markets in the coming decades?
No.
Posted by el Gaucho
He/They
Member since Dec 2010
58679 posts
Posted on 2/6/26 at 11:02 am to
quote:

Will be getting windfalls from dying boomers and GenX

Nursing homes and taxes will take everything
Posted by UltimaParadox
North Carolina
Member since Nov 2008
52153 posts
Posted on 2/6/26 at 11:13 am to
quote:

think the AI era will be interesting with the market.

Imagine letting an AI do your investing and make all decisions based on fundamentals and risk management with no emotion involved.


This has been done for years we just didn't call it AI
Posted by TigerintheNO
New Orleans
Member since Jan 2004
44452 posts
Posted on 2/6/26 at 2:19 pm to
Lots of millennials have the student loan issues that prevented them from saving. Gen Z is saving for retirement like no generation has before.


Gen Z retirement savings are blowing every generation away

quote:


Research published at the end of last year by the Investment Company Institute with help from the University of Chicago found that gen Z – those born between 1997 and 2012 – are “outpacing” earlier generations in contributing to retirement, having more than three times more assets in their 401(k) retirement savings accounts than gen X households had at the same time in 1989, adjusted for inflation.

This mirrors a 2023 study from the TransAmerica Center for Retirement Studies, which found that gen Z is doing a “remarkable job” saving for retirement with many putting away as much as 20% of their income towards the future.
Posted by tigerfoot
Alexandria
Member since Sep 2006
61036 posts
Posted on 2/6/26 at 7:45 pm to
quote:

will inflows be outpaced withdrawals at some point in the future t
not long term.
Posted by Upperdecker
St. George, LA
Member since Nov 2014
32957 posts
Posted on 2/6/26 at 7:52 pm to
quote:

Will be getting windfalls from dying boomers and GenX

Boomers barely save anyway. It’s a few boomers with tons of wealth, and a lot that had everything handed to them and blew it anyway and need to hold down jobs til they die
Posted by FLObserver
Jacksonville
Member since Nov 2005
15931 posts
Posted on 2/7/26 at 2:16 am to
quote:

Boomers barely save anyway. It’s a few boomers with tons of wealth, and a lot that had everything handed to them and blew it anyway and need to hold down jobs til they die

Many boomers hanging on with a small SS check monthly.
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