As we step into 2025, it’s clear that this year will be a turning point for how Millennials and Henrys build wealth. From groundbreaking technology like AI-driven investing to new opportunities in alternative assets, the financial landscape is evolving faster than ever. My predictions for 2025 focus on the trends and tools that will empower you to take control of your financial future and align your investments with your goals and values.
This Week’s Expert Interview: CJ Follini
NOYACK’s CEO and frequent guest, CJ Follini, is back with us. As today, we’re diving into NOYACK’s annual Millennial Money Predictions for 2025. Check out our Podcast (Inheriting the Future, the NOYACK Wealth Club Podcast)
Now let’s dive into NOYACK’s annual Predictions for 2025 shifts that will shape your wallet this year! 🎯
1. AI Begins to Revolutionize Wealth Management and Portfolio Building 🤖
This is the year of hyper-personalized portfolios. Wealth management platforms will use AI to craft investment strategies tailored to your goals, risk tolerance, and even life events. Whether you’re saving for a wedding or buying your dream home, AI tools will adjust portfolios dynamically to keep you on track.
2. Tokenized Funds Redefine Investing
In 2025, tokenized funds will transform access to assets like real estate, fine art, and venture capital. Leveraging blockchain for 24/7 trading, fractional ownership, and smart contracts, these funds will offer Millennials enhanced liquidity and cost efficiency, setting the stage for rapid adoption and growth.
3. The Millennial DIY Investing Movement Grows 📈
In 2025, over 65% of Millennials are expected to actively manage their investments, driven by increased access to digital tools and platforms tailored to their needs. This trend reflects a shift toward self-empowerment, as user-friendly apps with integrated financial education and decision-support features make investing more accessible. Millennials are embracing tools that not only provide insights but also allow them to simulate strategies before risking real money, fostering confidence and financial literacy.
Tools to Watch:
- Investment platforms with interactive education modules for building foundational knowledge.
- Pre-built portfolios investment portfolio especially of alternative investments that align not with financial return metrics but with life goals such as retirement planning, family finances plan planning, diversification and philanthropy
4. Goals-Based Wealth Building Takes Center Stage 🎯
Listen, money is necessary, vital even. But seeking more money for moneys sake only makes “one a fetishist of little green paper”. – Economist Milton Friedman.
Conspicuous consumption is out and Millennials are shifting to goals-based investing, focusing on personal milestones like starting a family, funding education, or early retirement. Investment decisions based on these goals. Have proven to outperform.
The Shift:
- Investment success = achieving life goals, not just returns.
- Expect to see platforms asking for your “why” before investing.
5. Alternative Investments Surge in Popularity 💼
The Great Wealth Transfer is here, and Millennials are allocating their newfound wealth to alternative investments. Commercial real estate, venture capital, and fine art will dominate portfolios, driven by their alignment with long-term goals and values.
Why Millennials Love Alternatives:
- Diversification beyond stocks and bonds.
- Opportunities to invest in sectors that reflect their passions and priorities.
6. Social Media Influencers Shape Financial Decisions 📱
TikTok and Instagram aren’t just for dance trends—they’re reshaping how Millennials learn about money. Over 33% of Millennials now turn to social media for financial education, with “fininfluencers” driving investment trends in real estate, crypto, and beyond.
Pro Tip:
- Vet advice carefully—follow influencers who collaborate with verified financial professionals.
7. Hybrid Advisory Models Combine Tech and Human Insight 🤝
Why choose between a human advisor and AI when you can have both? Hybrid advisory services will blend the convenience of AI-powered insights with the nuanced expertise of human advisors, helping Millennials tackle complex financial planning.
What to Expect:
- Quick AI-driven suggestions for smaller decisions.
- In-depth consultations for major life changes or high-stakes investments.
8. Retirement Interest Deepens Among Millennials 🌅
Over 60% of Millennials are actively saving for retirement, making it a top financial priority. Automated retirement planning apps, employer matching programs, and long-term growth strategies will dominate the scene.
2025 Trends:
- Increased use of robo-advisors for retirement savings.
- Expanded access to employer-sponsored financial education.
9. Philanthropy Goes Digital and Impact-Focused 💻
Millennials are reshaping philanthropy by integrating charitable giving into their financial plans. From supporting social justice to funding education initiatives, digital platforms will make it easier than ever to align giving with personal values.
Key Stats:
- 58% of Millennials are planning for philanthropy alongside traditional investments.
- Platforms like GoFundMe and DonorsChoose are seeing record participation.
10. The NY Rangers are NOT winning the Stanley Cup
The NY Rangers will graciously give their fans yet another year to perfect the art of disappointment. The Stanley Cup? Not happening in 2025—maybe they’re just saving it for their centennial.
Bottom Line
As we navigate the financial shifts and opportunities of 2025, it’s clear that Millennials are at the forefront of transforming personal wealth management. From embracing cutting-edge tools like tokenized funds and hybrid advisory models to prioritizing long-term goals such as retirement and impact-driven philanthropy, this generation is reshaping financial priorities in ways that align with their values and ambitions. Armed with knowledge, technology, and a focus on purpose-driven investing, 2025 offers an incredible opportunity to take control of your financial destiny and build a future that truly matters.
