83% of Office Workers Choose 'Saving' as Their Investment Strategy
These days, the hottest investment method among office workers is, surprisingly, saving.
Not stocks or cryptocurrency, but savings accounts are making a comeback.
"A Salary Alone Is Not Enough"
Job information platform Incruit conducted a survey of 383 office workers.
As a result, 9 out of 10 people (92.2%) responded that they are engaged in investment activities.
Among them, saving (83%) ranked first.
Following that were
domestic stocks (63.5%), overseas stocks (43.9%), funds and ETFs (37.4%),
cryptocurrency (30%), tangible assets (19%), and real estate (18%) in that order.
The desire to "at least earn some interest" remains strong these days.
Asset Management Differs by Generation
Looking by age group, investment portfolios varied significantly.
People in their 20s were most active in saving (92.6%) and investing in overseas stocks (63%).
Those in their 40s had the most diverse portfolios, mixing real estate (21%) and tangible assets (17%).
Those in their 50s preferred traditional methods, focusing on real estate (30%) and funds (38%).
The younger the age, the more focus on 'investment'; the older, the more on 'stability'.
Marital Status Also Had a Significant Impact
Both single and married people invested heavily in savings and stocks,
but there was a clear difference when it came to real estate.
28% of married respondents invested in real estate, while only 8.7% of singles did so.
The saying "asset types change after starting a family" is backed by these statistics.
Half "Invest During Work Hours"
According to the survey, half of office workers (49.6%)
said they engage in investment activities even during work hours.
Among them, 7.4% answered that they do so "very frequently."
Most invest for less than an hour, such as during commutes or lunch breaks.
Working and investing at the same time... Truly the era of multitasking office workers.
There Is Only One Reason for Investing
When asked "why,"
'To secure a lump sum and extra funds' (49.6%) was the top answer.
This was followed by preparing for retirement (30.3%) and buying a home (12.5%).
When asked about their results,
60.1% said they made a profit,
23.8% broke even,
and 16.1% incurred losses.
Notably, 72% of those in their 20s reported making a profit.
In contrast, those in their 50s had the highest rate of losses at 29%.
The reasons for not investing were also clear.
Among those not investing (7.8%),
half said it was because they "do not have spare funds."
People in their 20s and 30s cited "not knowing how,"
while those in their 40s and 50s pointed to "lack of money" as the reason.
In Summary
In an era of high interest rates and rising prices,
'Stability' has regained its strength.
However, everyone knows that savings accounts alone are not enough.
Today's office worker investment strategies focus on 'minimizing risk + diversifying with small amounts,'
and may be balancing on that delicate line.
-
Reporter Seo Jiyeong zo2zo2zo2@asiae.co.kr
-
Edit Maeng Jiae mjiae@asiae.co.kr
© The Asia Business Daily(www.asiae.co.kr). All rights reserved.
