A new generation of self-directed investors, especially Gen Z, is entering 2026 with a stronger appetite for risk, according to new research from UK wealth manager Charles Stanley Direct.
These findings show a shift toward aggressive, self-directed trading in the retail market. The UK study finds over a third (36%) of self-directed investors now seek high or very high investment risk. The trend is clear among the youngest: Half (50%) of Gen Z want to take on more risk, and 60% are taking on more risk than usual.
The UK data matches global research. A recent Coinbase study finds that younger investors trade more frequently, use leverage, and allocate about 25% of their portfolios to non-traditional assets such as crypto and derivatives.
This data shows younger investors want more dynamic, constant market access and seek higher-growth or higher-volatility products.
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The Surprising Role of Financial Advice
The Charles Stanley report shows another pattern. Investors with professional advice are almost three times more likely to seek high risk than those without advice (56% versus 19%). Advice here seems to build confidence, helping investors structure and justify complex or aggressive strategies rather than restraining risk-taking.
“DIY investors have started the year in a positive frame of mind and showing signs of optimism as they adopt risk-seeking behaviour,” said Rob Morgan, Chief Investment Analyst at Charles Stanley Direct. “This is most notable among younger investors, who naturally have more time on their side and are keen go-getters.”
For brokers and fintechs, the findings suggest demand for higher-risk and alternative products, including crypto-linked instruments and event-focused contracts, signals a lasting shift in investor preferences. How firms address this could determine whether they attract and keep younger clients.
