O Futuro dos Investimentos na Mão da Geração Z

Abstract

This study investigates the relationship between Generation Z and investments, emphasizing the lack of access to financial knowledge in resource-limited areas. According to Martins (2023, p. 45), this generation faces major obstacles in accessing financial education, especially in regions with scarce resources, which limits their ability to invest and plan for the future. Thus, the objective of this study is to conduct research and propose the creation of an educational guide that teaches basic principles of finance and investments, empowering young people to overcome barriers and build a more solid financial future. Furthermore, the study analyzes how technology can be used to disseminate financial information and promote inclusion, allowing all young individuals, regardless of their background, to have the opportunity to learn and apply financial concepts in their lives. The methodology adopted was a mixed approach, combining qualitative and quantitative research. The study included a literature review, an interview with a financial market professional, and an online questionnaire applied to 41 Generation Z youth in the first half of 2025. The instruments used were a Google Forms survey and a semi-structured interview script. The data analysis showed that despite their interest in learning how to invest, many young people have not yet started due to the lack of practical and accessible guidance. As a result, an investment guide with simple language was developed, specifically designed for this generation.