Retail investors increased discipline and
diversification in 2025, according to new global survey data from eToro’s
Retail Investor Beat. The findings suggest that regular investing, closer
portfolio monitoring and broader asset exposure now characterize activity in
this segment.
Retail Investors Invest Monthly and Monitor Portfolios
The survey, conducted by Opinium for eToro, covers
11,000 retail investors across 13 countries. It shows that 70% of respondents
actively review their portfolios, while 79% invest in markets every month. Among younger cohorts, 87% of Gen Z and 86% of
millennials invest monthly, compared with 79% of Gen X and 68% of baby boomers.
eToro Global Market Strategist Lale Akoner said retail
investors are “engaged, deliberate and consistent” and no longer match the
opportunistic image from 2021. She added that many entered markets during a
period of volatility and macro uncertainty, which encouraged them to track
global trends and use technology and information to manage risk.
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The data indicates a second year of rising
diversification across asset classes. Between the fourth quarter of 2024 and
the fourth quarter of 2025, the share of investors holding commodities rose by
11 percentage points, domestic bonds by 6 points and foreign bonds by 14
points, while exposure to cryptoassets and foreign equities also increased.
Portfolios Broaden as Dollar Weakens
Over the same period, allocations to domestic equities
and cash declined. Akoner said investors “are increasingly allocating capital
with diversification firmly in mind across a broader opportunity set” and use
it as a risk‑management tool.
The report also links positioning to macro moves,
noting that 49% of respondents plan to adjust portfolios as the US dollar
weakens and that gold ownership has risen to 48%, up three percentage points
since the second quarter of 2025.
The Retail Investor Beat survey ran from 30 October to
13 November 2025 and included investors who hold at least one investment
product, whether self‑directed or advised. Participants did not need to be
eToro clients.
This article was written by Jared Kirui at www.financemagnates.com.
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