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podcast iconMoney talks, stress walks

The BID BlackRock

Chief Marketing Officer Frank Cooper discusses why taking steps toward wealth can have benefits not just for our future, but also for our well-being today.

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BlackRock Global Investor Pulse:

The World’s Largest Study on the Relationship Between Wealth and Well-Being

Every year, we ask people how they think and feel about their financial health.

caret

This year, we went deeper than ever to understand the connection between your wealth and well-being. And why you feel the way you do.

Background image

This edition of Investor Pulse was conducted at a time of unique political, cultural and social upheaval.

To better understand how these forces affect financial health, we listened to more people than ever.

World mapWorld map with the United States, Mexico, U.K. and China highlightedWorld map with the United States, Mexico, U.K., China, Canada, Germany, Switzerland, Italy, Brazil, Singapore, Hong Kong, Japan and Taiwan highlighted

120

in-depth conversations

27,000

additional responses

Background image

We explored if
money could
make you happier.

We explored if
money could make
you happier.

Background image

But not
in the way
you think.

But not in the
way you think.

What did we find out?

Background image

When people take a step to invest, they create a greater sense of well-being today.

Background image

24%
happier

36%
higher level of well-being

19%
less stressed

43%
more positive about their financial future

Child between legsMan in front of blue wallWoman by trees

That's true regardless of affluence, age, gender or life stage.

But even with financial confidence and optimism on the upswing,

57%
of people aren’t investing.*

*57% of all people in our survey do not hold any stocks or bonds

I'm more interested in achieving short-term goals.

Investing feels too big.

I'm afraid of losing it all.

Investing is just for the experts.

We asked why not.
And you told us.

Global Overview

54%
of non-investors say they don’t have enough money to start investing.

  • Global Overview

  • Results by:

  • Location
  • Age
  • Gender

Percentage of non-investors that say they don’t have enough money to start investing.

54%

Global Average

Percentage of non-investors that say they don’t have enough money to start investing.

Baby Boomers+

Gen X

Millennials

Percentage of non-investors that say they don’t have enough money to start investing.

58%

Women

54%

Men

Global Overview

64%
of non-investors find information about investing difficult to understand.

  • Global Overview

  • Results by:

  • Location
  • Age
  • Gender

Percentage of non-investors that find information about investing difficult to understand.

64%

Global Average

Percentage of non-investors that find information about investing difficult to understand.

Baby Boomers+

Gen X

Millennials

Percentage of non-investors that find information about investing difficult to understand.

65%

Women

53%

Men

Global Overview

43%
of people are too worried about their financial situation today to think about the future.

  • Global Overview

  • Results by:

  • Location
  • Age
  • Gender

Percentage of people are too worried about their financial situation today to think about the future.

43%

Global Average

Percentage of people are too worried about their financial situation today to think about the future.

Baby Boomers+

Gen X

Millennials

Percentage of people are too worried about their financial situation today to think about the future.

41%

Women

40%

Men

Global Overview

27%
of non-investors are afraid of losing everything.

  • Global Overview

  • Results by:

  • Location
  • Age
  • Gender

Percentage of non-investors that are afraid of losing everything.

27%

Global Average

Percentage of non-investors that are afraid of losing everything.

Baby Boomers+

Gen X

Millennials

Percentage of non-investors that are afraid of losing everything.

31%

Women

27%

Men

But investing and a greater sense of well-being are attainable.

Small steps towards investing can help you feel good now and in control of the future.

Global Overview

30%
of non-investors who are not invested want a way to try out investing with a low money commitment.

  • Global Overview

  • Results by:

  • Location
  • Age
  • Gender

Percentage of non-investors that want to try out investing with a low money commitment.

30%

Global Average

Percentage of non-investors that want to try out investing with a low money commitment.

Baby Boomers+

Gen X

Millennials

Percentage of non-investors that want to try out investing with a low money commitment.

32%

Women

28%

Men

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Make a little go a long way.

Micro-investing (investing small amounts of money) can lead to a greater return than just letting it sit in a savings account where it isn't working for you.

Global Overview

76%
of investors that use a financial advisor report having a positive sense of well-being.

  • Global Overview

  • Results by:

  • Location
  • Age
  • Gender

Percentage of investor that use a financial advisor and have a positive sense of well-being.

76%

Global Average

Percentage of investor that use a financial advisor and have a positive sense of well-being.

Baby Boomers+

Gen X

Millennials

Percentage of investor that use a financial advisor and have a positive sense of well-being.

74%

Women

77%

Men

Background image

Find a good teacher.

Start a relationship with a financial advisor who will work with you and for you. If you feel like you don't have all the answers, advisors know how to educate.

Global Overview

41%
of non-investors say they would feel better about their finances if they could better balance their needs today with their needs in the future.

  • Global Overview

  • Results by:

  • Location
  • Age
  • Gender

Percentage of non-investors who would feel better about their finances if they could better balance their needs today with their needs in the future.

41%

Global Average

Percentage of non-investors who would feel better about their finances if they could better balance their needs today with their needs in the future.

Baby Boomers+

Gen X

Millennials

Percentage of non-investors who would feel better about their finances if they could better balance their needs today with their needs in the future.

41%

Women

40%

Men

Background image

Balance the short-term and long-term.

Investing isn't just for retirement. Making smaller, more flexible investments can help you connect to everyday short-term goals like paying off debt or buying a house.

Global Overview

61%
of non-investors recognize that their future outlook would be better if they started investing now.

  • Global Overview

  • Results by:

  • Location
  • Age
  • Gender

Percentage of non-investors that recognize their future outlook would be better if they started investing now.

61%

Global Average

Percentage of non-investors that recognize their future outlook would be better if they started investing now.

Baby Boomers+

Gen X

Millennials

Percentage of non-investors that recognize their future outlook would be better if they started investing now.

68%

Women

71%

Men

Background image

Don’t wait too long.

You can start investing before you have a lot of money. Making a few small, smart investments (like taking advantage of an employer 401K match) can have a major impact over time.

So, can money really make you happier?

Not exactly. But being confident, in control and invested helps. Now’s the time to take action and get started.

Share what we've learned:

01 The Study 02 The Big Connection 03 The Barriers to Investing 04 The Way Forward
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Legal Disclaimer: 

About the Survey: One of the largest global surveys ever conducted, the BlackRock Global Investor Pulse survey interviewed 27,000 respondents, in 13 nations. In North America: the US and Canada; in Europe, Germany, Italy, Switzerland and the UK; In Latin America, Brazil, and Mexico; in Asia, China, Hong Kong, Japan, Singapore and Taiwan. The US sample included 4,000 respondents.  Respondents were ages 25-74 and either the primary or shared decision maker for savings and investments in the household.  No income or asset qualifications were used in selecting the survey's participants. Executed with the support of Kelton Global, an independent research consultancy, the survey took place online from July to August 2018. For the global sample the margin of error for the US sample is is +/-1.55 percent.

This material is provided for educational purposes only and is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. The opinions expressed are subject to change. References to specific securities, asset classes and financial markets are for illustrative purposes only and are not intended to be and should not be interpreted as recommendations.  Reliance upon information in this material is at the sole risk and discretion of the reader. The material was prepared without regard to specific objectives, financial situation or needs of any investor.

This material may contain “forward-looking” information that is not purely historical in nature. Such information may include, among other things, projections, forecasts, and estimates of yields or returns.  No representation is made that any performance presented will be achieved by any BlackRock funds or strategies, or that every assumption made in achieving, calculating or presenting either the forward-looking information or any historical performance information herein has been considered or stated in preparing this material. Any changes to assumptions that may have been made in preparing this material could have a material impact on the investment returns that are presented herein. Past performance is no guarantee of future results.

The information and opinions contained in this material are derived from proprietary and nonproprietary sources deemed by BlackRock to be reliable, are not necessarily all-inclusive and are not guaranteed as to accuracy.

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