Gen Z i digitalna tehnologija: Izazovi za ulaganje u budućnost-in Serbian language

Financial planner Sean Caldwell and his son Jacob Caldwell emphasized the importance of saving early in life on a recent episode of „The Big Money Show.“ While Gen Z is known for its tech-savvy mindset when it comes to making money, the road to achieving their retirement goals by the age of 61 is filled with uncertainties. The evolving investment landscape has made it difficult for young people to take risks with limited financial resources.

According to The Heritage Foundation Tech Policy Center director Kara Frederick, the game has changed significantly, and while there may not be a lot to lose, there is still a chance of losing it all. Trusting solely in artificial intelligence (AI) or digital solutions without fully understanding their purpose may lead to misguided decisions, warns Charles Schwab Communication Consulting and Participant Education director Marci Stewart. It’s important to identify the challenges faced and then determine the appropriate tools to address them.

A study conducted by Charles Schwab revealed that 75% of Gen Z respondents are comfortable seeking help from AI tools for financial planning. However, both financial and tech experts urge caution in relying entirely on digital tools to make investment decisions. The Heritage Foundation’s Kara Frederick states that while AI can be effective in analyzing data and identifying patterns, the algorithm should not be trusted blindly, as it may overlook certain aspects that a human would consider.

When it comes to market and economic decisions, Frederick emphasizes that AI bots are still prone to making mistakes. Tailoring specific advice to individual needs and providing bespoke answers in the financial field is an area where AI has a long way to go. In the survey conducted by Charles Schwab, regardless of age, respondents expressed a greater preference for human advice over computer-generated advice. Money decisions are personal and emotional, and people require human support alongside technological solutions.

Gen Z’s aspiration to retire by the age of 61, as revealed in the study, surprised even millennials like Kara Frederick. Considering the challenges they face, such as increasing levels of student debt and the difficulty of homeownership, it seems more likely that Gen Z will have to work longer rather than retire earlier. However, Charles Schwab’s study also highlights the importance of financial advice to Gen Z and their engagement in managing their finances. By focusing on finances early on and developing good financial habits, Gen Z can work towards achieving their retirement goals.

FAQ

1. Da li Generacija Z veruje u upotrebu veštačke inteligencije za finansijske odluke?
Da, istraživanje je pokazalo da 75% ispitanika iz Generacije Z smatra da je veštačka inteligencija korisna za finansijsko planiranje.

2. Da li je bezbedno osloniti se samo na digitalne alate prilikom ulaganja?
Stručnjaci savetuju oprez pri koršćenju isključivo digitalnih alata za donošenje investicionih odluka. Oni preporučuju kombinaciju ljudske podrške i tehnoloških rešenja.

3. Da li je Generacija Z realistična u vezi sa ranim penzionisanjem?
Iako aspiracija da se penzionišu sa 61 godinom iznenađuje čak i milenijalce, stručnjaci ukazuju na izazove sa kojima se Generacija Z suočava koji bi mogli produžiti vreme do penzionisanja.

4. Koji saveti Charles Schwaba se preporučuju za postizanje finansijskih ciljeva?
Preporučuje se doprineti u okviru poslodavčevog plana 401(k) do iznosa podudaranja, izmiriti dugove sa visokom kamatom na kreditnim karticama ili one koji nisu odbitni, i obezbediti fond za hitne slučajeve koji pokriva troškove života tokom tri do šest meseci.

5. Da li digitalni alati mogu pomoći u postizanju ranijeg penzionisanja?
Digitalni alati, uz dobar planiranje i disciplinu, mogu biti od pomoći u postizanju finansijskih ciljeva, što uključuje ranije penzionisanje.