Q4 – 2023

Finimize Modern Investor Pulse

We asked thousands of retail investors from our million-strong global community how they feel about markets and how they plan to act right now. Our data reveals that over 80% of retail investors are planning to invest the same or more as last previous quarter, and with almost half holding onto between $5,000 and $100,000, there’s an opportunity for financial services firms to benefit.

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Here’s a preview of the key takeaways from the Q4 Pulse

  • 84% of retail investors are planning to invest more or the same as last quarter.
  • 67% believe global stock markets will be higher in 12 months.
  • 62% plan to invest in stocks, 46% in exchange-traded funds, and 36% in cash products.
  • 49% have between $5,000 and $100,000 to invest in the next 12 months.
The Finimize Index

Retail Investor Sentiment Vs. The S&P 500

The Finimize Index tracks retail investor sentiment across our 1 million+ global community and is updated every quarter. As a percentage of respondents who think global stock markets will be higher a year from now, retail investors have moved pretty closely with the S&P 500’s trend.

Q: Do you think global stock markets will be higher 12 months from now?
Q: What percentage of your monthly income are you planning to invest in the next 12 months? Female respondents only

Female investors are full of confidence and cash to invest

Despite a history of financial exclusion, over 75% of our female respondents said they don’t lack confidence in managing their own investments. This confidence also translates into their investment plans: almost a third intend to invest more this quarter, and more than a third will invest 11% or more of their monthly income.

Q: Do you plan to invest more or less money over the next 3 months?

Retail investors’ appetite for risk remains high

Almost 60% of respondents are planning to take the same level of risk with their investments over the next three months, while 16% plan to take more risk. At the same time, over half said they’re planning to keep their investment contributions steady, while a third plan to increase them this quarter.

Q: Where do you plan to invest most of your surplus income over the next 6-12 months?

Stocks, ETFs, and cash come out on top

Retail investors are set to invest in stocks (62%) and ETFs (46%) as their top choices. Cash products have increased in popularity coming in third (36%), likely due to the attractive rate hikes currently on offer across savings accounts.

Real Estate
Money Market Funds
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