money money money 846b are young investors more agile? investing trends with Gemma Dale
Nov 19, 2025
Glen chats with Gemma Dale, Director at NAB Trade, who specializes in investor behavior and financial education. They explore how Gen Z tends to buy shares during market dips instead of panicking, shaped by their experiences during COVID-19. Gemma highlights the appeal of ETFs due to low barriers to entry. There's also discussion on rising cash holdings among younger investors, the anxieties surrounding AI investments, and her investment lessons for kids, including a unique financial literacy program.
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Gen Z Embraces Buying The Dip
- Younger investors have adopted a 'buy the dip' mentality and consistently buy during market falls.
- Their benchmark experience (COVID) was short, sharp and rewarded buying, shaping positive behaviour.
Experience Shapes Market Reaction
- Past long drawdown experiences like the GFC taught older investors caution while COVID's rapid rebound taught younger investors to buy.
- That different lived experience explains much of the generational gap in reaction to downturns.
ETFs Lower The Barrier To Entry
- ETFs and low-cost platforms removed the biggest hurdle for new investors: deciding what to buy.
- That accessibility makes it far easier to become an investor today than 15โ20 years ago.
