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So, What’s Your (Investment) F-Word?

We want you to find out what’s your F-word, when it comes to investing.

Is it to have secure Finances, achieving Freedom to do anything you want or just having a fabulous Future?

Your chosen F-word is the key to determining what your investment and financial goals should be.

We hope the survey results can help you gain insights into what other young adults are doing, and help you get started on your own journey to achieving the goals you have.

Investment Among Young Adults in Singapore 2021

Survey Background

Respondents targeted were young adults aged 18-35 years old, across a sample of 502 persons with varying genders, ethnicities, and monthly incomes.

We’ve come up with a handy infographic illustrating some of the key findings. You can choose to view it below, or download a copy of the full findings for yourself.

This survey was administered by The Nielsen Company, which is not affiliated with Franklin Templeton in any way.

Has Covid-19 Affected Singapore’s Next-Gen Investor Behaviour?

Has the pandemic affected the investment behaviors of young adults, and their considerations of different investment products? Surprisingly, the results seem to indicate that the Covid-19 pandemic has not dampened investment sentiments. 80% of the young adults surveyed are current investors and equity remains popular as an investment product of choice.

 

 

Why Do Young Adults Spend and Save?

What are the financial behaviors of young adults today, and what are the driving forces behind these behaviors? We find that 4 in 5 young adults have a habit of saving money, and the top goal of young adults in Singapore is to achieve financial freedom. 

 

 

What Motivates Young Adults to Invest?

Why are young adults spurred to invest, and what are their current perceptions of investing as a way to grow their income? The survey results indicate that 50% of young adults agree on the need to start investing young, however there are some barriers to start which include lack of investment knowledge, limited budget, and a fear that investment is too risky. 

 

Next-Gen Investor Survey Full Findings

Download Infographic Download Full Report

Know Your Investment Focus and Strive Towards It

With any good investment journey, knowing your motivation is chief to getting started. Through it, you’ll learn what types of investment products are best suited for you, such as those that grant you passive income, versus products that grow and accelerate your wealth.

Have you come to realize what is your biggest motivator yet? Is it to better your Finances, Freedom, or Future?

Franklin Templeton has many articles that aim to help you build up your investment knowledge, and ultimately - reach your financial goals. Have a read of some recommended articles below.

Important Information

This document is for information only and does not constitute investment advice or a recommendation and was prepared without regard to the specific objectives, financial situation or needs of any particular person who may receive it. This document may not be reproduced, distributed or published without prior written permission from Franklin Templeton. 

Any research and analysis contained in this document has been procured by Franklin Templeton for its own purposes and may be acted upon in that connection and, as such, is provided to you incidentally. Although information has been obtained from sources that Franklin Templeton believes to be reliable, no guarantee can be given as to its accuracy and such information may be incomplete or condensed and may be subject to change at any time without notice. Any views expressed are the views of the fund manager as of the date of this document and do not constitute investment advice. The underlying assumptions and these views are subject to change based on market and other conditions and may differ from other portfolio managers or of the firm as a whole. 

There is no assurance that any prediction, projection or forecast on the economy, stock market, bond market or the economic trends of the markets will be realized. Franklin Templeton accepts no liability whatsoever for any direct or indirect consequential loss arising from the use of any information, opinion or estimate herein. The value of investments and the income from them can go down as well as up and you may not get back the full amount that you invested. Past performance is not necessarily indicative nor a guarantee of future performance.

Copyright© 2025 Franklin Templeton. All rights reserved.

Issued by Templeton Asset Management Ltd. Registration Number (UEN) 199205211E.

This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.
Investments entail risks, the value of investments can go down as well as up and investors should be aware they might not get back the full value invested.