Global Investor Study 2019

Are you in control of your finances?

From pensions to savings, every investment brings risk and potential reward. So, it goes without saying that people want to feel in control of their personal finances. But are people really taking the best approach when it comes to handling their investments?

We spoke to over 25,000 people, from 32 locations around the world, to explore their behaviours around investing. Could behavioural biases be impacting how you manage your investments?

Less than half of people are very confident with exactly how much money they have across providers


of people are very confident with how much money they have across various financial providers


Those who describe their investment knowledge as expert, or advanced, are much more likely to be very confident with how much money they have

Expert / Advanced
Beginner / Rudimentary

People are generally active when it comes to their personal finances


of people check their investments at least monthly


But they might be considered too active; holding investments for less than the five years that professional guidance generally recommends. They are also making reactive decisions

How long it’s generally recommended you should remain invested in a product

The average length of time that people stay invested with products before moving elsewhere or cashing it in


How people responded to a period of market volatility


of people stuck with their initial investment plan


of people made changes to their investment portfolio’s risk profile

And it would appear that people’s activity is not paying off, with over half of them dissatisfied with their investments


of people have not achieved what they wanted with their investments over the past five years


People often blamed themselves for this dissatisfaction

I should have remained invested for longer
I should have taken my money out sooner
I didn’t take enough risk
I took too much risk
I made the wrong assessment of what I needed
I acted on bad advice from someone else
I acted on bad advice from my financial adviser
I ignored the advice I was given by my financial adviser

A lack of satisfaction is further increased by rising income and return expectations

The annual total return (i.e. income and capital growth) people expect to make, each year, from their total investment portfolio over the next five years



And what people want is not much different to what they realistically expect


is the minimum level of income people would like to receive


is the level of income people expect to receive over the next 12 months

Often, people lean towards investing in markets that are familiar to them

People that prefer funds that invest in their home country

People that prefer funds that invest in countries familiar to them

People that think that emerging markets are too risky

Contact Schroders

Schroders is a world-class asset manager operating from 38 locations across Europe, the Americas, Asia, the Middle East and Africa.

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