Decoding Investors 2026 | Amundi HK Retail

Decoding Investors 2026

The latest in our digital decoding series.

Decoding Digital Insights

The digital shift: decoding today's investors

Today, more than three-quarters of investors invest at least some of their portfolio digitally, with the majority (56%) taking a hybrid approach. When it comes to financial education, people are also digitally connected with almost three out of four investors globally sourcing investment information online. 

Our latest Decoding Investors report is based on the views of:

17,500+

Retail Investors and savers across

26

Countries

4

Age groups 20 - 60

 DECODING  Investor Goals

 

Investors fear running out of money in retirement – and the closer they get, the more that fear takes hold.

 

 

43% state covering day-to-day essentials as the main retirement objective, but this rises to 49% among those in their 50s.

 

Investors fear running out of money in retirement

 

 

 DECODING  Investor Behaviours

Are investors using AI to guide their investment decisions, and what value do they get from them?

 

In the space of a single year, AI has moved from a niche curiosity to a tool used by the majority of investors. 63% have acted on an AI investment recommendation, of which 88% were satisfied with that investment decision.

 

Investors using AI as a source of information

How do investors’ confidence and financial knowledge compare?

 

44% of investors can answer 3 basic financial literacy questions correctly — but this falls to only 30% for those that consider themselves to be expert investors.

 

Confidence doesn't equal competence

Why do retail investors use ETFs, and what makes them feel confident about investing in them?

 

Driven by digitalisation and the growing availability of educational resources, ETFs are now a mainstream and growing component of retail investor portfolios across the world. 31% of our global investor sample holds ETFs - and this is expected to grow by over 15% in the end year.

Reasons people invest in ETFs

How are investors using digital platforms for investing and advice?

 

Digital is at the core of most investor journeys – across all age and wealth brackets. The next phase of growth will be defined not by reach, but by depth; the question is which provider will be entrusted with a greater share of portfolios.

 

Accessing professional advice through digital channels

 DECODING  Savers

 

People with savings but no investments are not simply disinterested. Many save actively and understand investing’s long-term value, but low confidence and uncertainty about risk hold them back. 

 

 

What is holding savers back...?

What holds savers back

 

...and what could help them get started?

Reasons people might start investing

Decoding Investors 2026 Report

Decoding Investors 2026 explores the behaviours and needs of over 17,000 investors and savers, across 26 countries, uncovering what drives them and what holds them back from investing. It also dives into retirement planning,  ETFs, saver behaviour and the rising demand for financial products. Designed for all retail banks and investment providers, the report helps sharpen client understanding and tailor offerings more effectively.

Decoding Investors 2026 Report

Woman in yellow jacket in front of wall

 

This document is not intended as an offer or solicitation with respect to the purchase or sale of securities, including shares or units of funds. All views expressed and/or reference to companies cannot be construed as a recommendation by Amundi.  Opinions and estimates may be changed without notice.  To the extent permitted by applicable law, rules, codes and guidelines, Amundi and its related entities accept no liability whatsoever whether direct or indirect that may arise from the use of information contained in this document.

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This document is prepared for information only and does not have any regard to the specific investment objectives, financial situation and the particular needs of any specific person who may receive this document. Any person considering an investment should seek independent advice on the suitability or otherwise of the particular investment.  Investors should not only base on this document alone to make investment decisions.

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