• Dr. Anjali Goyal
• Divya Jaroli

This study undertakes a comparative examination of Generation Z and Generation X investors to identify differences in investment motivation, technological influence, investment strategies, and financial literacy. Using a quantitative comparative design, primary data were collected from 250 individual investors, including 112 Generation Z and 138 Generation X respondents. Descriptive statistics, Levene’s test, and independent samples t tests were employed to assess generational differences across the selected dimensions. The results reveal statistically significant differences between the two generations across all four variables, with Generation Z investors reporting higher mean scores. The study contributes to the literature on generational investment behaviour and offers practical insights for financial institutions, advisors, and policymakers seeking to align investment products, digital platforms, and financial education initiatives with generational characteristics.

: Generation Z, Generation X, generational differences; investment motivation, investor perceptions; technological influence; investment strategies

"A Comparative Study of Generation Z and Generation X Investors: Differences in Investment Motivation, Technological Influence, Investment Strategies, and Financial Literacy", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.13, Issue 1, page no.b626-b636, January-2026, Available :http://www.jetir.org/papers/JETIR2601193.pdf

"A Comparative Study of Generation Z and Generation X Investors: Differences in Investment Motivation, Technological Influence, Investment Strategies, and Financial Literacy", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.13, Issue 1, page no. ppb626-b636, January-2026, Available at : http://www.jetir.org/papers/JETIR2601193.pdf