Gen Z and Millennials Stay Optimistic About Reaching Financial

Ohana Magazine – The HSBC Affluent Investor Snapshot 2025 shows that optimism about financial goals remains strong despite global uncertainty. Gen Z and Millennials stand out as the most confident. Their belief in financial success is even higher than the global average. This indicates that younger generations are becoming more proactive in money management.

Key Priorities of Gen Z and Millennials

Gen Z and Millennials focus on three major goals: supporting family, building wealth for security, and preparing for retirement. Unlike past generations, they no longer put consumption first. Instead, they show greater responsibility and a long-term perspective. This marks a significant cultural and economic shift.

Financial Optimism in Indonesia

In Indonesia, economic uncertainty creates anxiety for many young people. Yet, most remain optimistic about their financial journey. According to Lanny Hendra, Head of International Wealth and Premier Banking at HSBC Indonesia, optimism stays high despite volatility. Careful planning and the right strategies help them stay confident.

HSBC’s Role in Supporting Clients

Affluent investors—those with assets between USD 100,000 and USD 2,000,000—still receive strong support from HSBC. Lanny explained that each client has unique needs. That is why HSBC uses personalized approaches. By strengthening engagement, HSBC ensures investors stay comfortable and confident in every decision.

Maintaining Calm During Volatility

Market volatility is inevitable. HSBC focuses on helping clients stay calm and make rational decisions. Lanny stressed that comfort and trust are essential. When clients feel reassured, they can align choices with their risk profile. This approach helps them focus on long-term goals rather than reacting to short-term disruptions.

Views from HSBC Leadership

Sumirat Gandapraja, Head of Networks Sales and Distribution at HSBC Indonesia, emphasized that conditions remain stable. There is no sign of bank rush despite concerns. His team provides advice that reassures clients and encourages long-term thinking. This guidance ensures investors remain steady in uncertain times.

Investment Preferences Across Generations

Investment choices differ across generations. Younger investors are more open to equities and digital assets. Meanwhile, cultural traditions in Indonesia make gold a favorite. Sumirat noted that gold demand has outpaced other assets. HSBC advises clients to evaluate carefully—whether to enter gold at current prices or consider alternatives like bonds and equities.