Global Investor Study 2019

Are investors in control of their finances?

From superannuation 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 your clients manage their investments?

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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

This material has been issued by Schroder Investment Management Australia Limited (ABN 22 000 443 274, AFSL 226473) (Schroders) for information purposes only. It is intended solely for professional investors and financial advisers and is not suitable for distribution to retail clients. The views and opinions contained herein are those of the authors as at the date of publication and are subject to change due to market and other conditions. Such views and opinions may not necessarily represent those expressed or reflected in other Schroders communications, strategies or funds. The information contained is general information only and does not take into account your objectives, financial situation or needs.
Schroders does not give any warranty as to the accuracy, reliability or completeness of information which is contained in this material. Except insofar as liability under any statute cannot be excluded, Schroders and its directors, employees, consultants or any company in the Schroders Group do not accept any liability (whether arising in contract, in tort or negligence or otherwise) for any error or omission in this material or for any resulting loss or damage (whether direct, indirect, consequential or otherwise) suffered by the recipient of this material or any other person.
This material is not intended to provide, and should not be relied on for, accounting, legal or tax advice. Any references to securities, sectors, regions and/or countries are for illustrative purposes only. You should note that past performance is not a reliable indicator of future performance. Schroders may record and monitor telephone calls for security, training and compliance purposes.

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