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International Journal for Research Trends and Innovation
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ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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Issue: May 2026
Volume 11 | Issue 5
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Impact Factor : 8.14
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Issue Published : 120
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| Paper Title: | Generational Differences in Investment Behaviour: A Study of Gen Z and Millennials |
| Authors Name: | Dr. Swati Mehta , Riya Thakkar |
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IJRTI_211832
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| Published Paper Id: | IJRTI2604253 |
| Published In: | Volume 11 Issue 4, April-2026 |
| DOI: | |
| Abstract: | This study examines the investment behaviour of Generation Z and Millennials, with a focus on key factors such as financial literacy, risk tolerance, financial planning, social influence, and technology adoption. The research is based on primary data collected from 100 respondents using a structured questionnaire. A combination of descriptive statistics and Structural Equation Modeling (SEM) techniques, including reliability analysis, discriminant validity, and path analysis, has been applied to evaluate the relationships among variables. The findings reveal that investment behaviour is significantly influenced by behavioural and technological factors. Risk tolerance and technology adoption emerge as the most influential predictors, while financial literacy and financial planning also show a meaningful impact. The results further indicate that technology acts as a mediating variable, strengthening the relationship between social influence, financial literacy, and investment behaviour. The multi-group analysis highlights clear generational differences, where Generation Z is more influenced by risk-taking, social media, and digital platforms, whereas Millennials demonstrate a more structured and knowledge-driven investment approach. The model shows strong explanatory and predictive power, confirming its robustness in analysing investment behaviour. The study contributes to behavioural finance literature by providing insights into generational investment patterns and emphasizes the importance of technology in modern financial decision-making. The findings offer practical implications for financial institutions, policymakers, and investors to develop targeted strategies that enhance financial literacy and promote informed investment practices. |
| Keywords: | Investment, Investment behaviour, Gen Z, Millennials, Financial literacy, Technology, Risk-tolerant. |
| Cite Article: | "Generational Differences in Investment Behaviour: A Study of Gen Z and Millennials", International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2456-3315, Vol.11, Issue 4, page no.b848-b858, April-2026, Available :http://www.ijrti.org/papers/IJRTI2604253.pdf |
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| ISSN: |
2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID: IJRTI2604253
Registration ID:211832
Published In: Volume 11 Issue 4, April-2026
DOI (Digital Object Identifier):
Page No: b848-b858 Country: Surat, Gujarat, India Research Area: Management Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2604253 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2604253 |
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
Journal Starting Year (ESTD) : 2016
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