Retail investors increased discipline and diversification in 2025, according to new global survey data from eToro’s Retail Investor Beat. The findings suggest that regular investing, closer portfolio monitoring and broader asset exposure now characterize activity in this segment.

Retail Investors Invest Monthly and Monitor Portfolios

The survey, conducted by Opinium for eToro, covers 11,000 retail investors across 13 countries. It shows that 70% of respondents actively review their portfolios, while 79% invest in markets every month. Among younger cohorts, 87% of Gen Z and 86% of millennials invest monthly, compared with 79% of Gen X and 68% of baby boomers.

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eToro Global Market Strategist Lale Akoner said retail investors are engaged, deliberate and consistent and no longer match the opportunistic image from 2021. She added that many entered markets during a period of volatility Volatility In finance, volatility refers to the amount of change in the rate of a financial instrument, such as commodities, currencies, or stocks, over a given time period. Essentially, volatility describes the nature of an instrument’s fluctuation; a highly volatile security equates to large fluctuations in price, and a low volatile security equates to timid fluctuations in price. Volatility is an important statistical indicator used by financial traders to assist them in developing trading systems. Trad In finance, volatility refers to the amount of change in the rate of a financial instrument, such as commodities, currencies, or stocks, over a given time period. Essentially, volatility describes the nature of an instrument’s fluctuation; a highly volatile security equates to large fluctuations in price, and a low volatile security equates to timid fluctuations in price. Volatility is an important statistical indicator used by financial traders to assist them in developing trading systems. Trad Read this Term and macro uncertainty, which encouraged them to track global trends and use technology and information to manage risk.

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The data indicates a second year of rising diversification across asset classes. Between the fourth quarter of 2024 and the fourth quarter of 2025, the share of investors holding commodities rose by 11 percentage points, domestic bonds by 6 points and foreign bonds by 14 points, while exposure to cryptoassets and foreign equities Equities Equities can be characterized as stocks or shares in a company that investors can buy or sell. When you buy a stock, you are in essence buying an equity, becoming a partial owner of shares in a specific company or fund.However, equities do not pay a fixed interest rate, and as such are not considered guaranteed income. As such, equity markets are often associated with risk.When a company issues bonds, it’s taking loans from buyers. When a company offers shares, on the other hand, it’s selling pa Equities can be characterized as stocks or shares in a company that investors can buy or sell. When you buy a stock, you are in essence buying an equity, becoming a partial owner of shares in a specific company or fund.However, equities do not pay a fixed interest rate, and as such are not considered guaranteed income. As such, equity markets are often associated with risk.When a company issues bonds, it’s taking loans from buyers. When a company offers shares, on the other hand, it’s selling pa Read this Term also increased.

Portfolios Broaden as Dollar Weakens

Over the same period, allocations to domestic equities and cash declined. Akoner said investors are increasingly allocating capital with diversification firmly in mind across a broader opportunity set and use it as a risk‑management tool.

The report also links positioning to macro moves, noting that 49% of respondents plan to adjust portfolios as the US dollar weakens and that gold ownership has risen to 48%, up three percentage points since the second quarter of 2025.

Meanwhile, recent reports by eToro showed that roughly one-third of stock trading on the platform occurs outside traditional market hours. The shift signals strong demand from clients who want more flexibility to react to news and market moves beyond the standard US session.

The milestone came after eToro expanded 24/5 access to all S&P 500 and Nasdaq 100 stocks, following an initial July rollout that covered 100 top US equities. Earlier reports showed that eToro held 45 per cent of existing Australian contracts for differences traders, while Capital.com onboarded 14 per cent of new traders, the highest share among brokers.