4 money trends set to rise in 2025

With the reality of home ownership becoming increasingly difficult (especially for younger generations) and the decline in retail spending over the past six months, Australia’s financial habits are also changing dramatically.

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As many of us turn to more cautious investment strategies and find ways to make our money work harder, As it is with each year, 2025 will bring fresh opportunities no matter your age or where you are in your financial journey. Whether you’re determined to break into the property market, saving for the future, or protecting your super, here are 4 trends on the rise:

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1. Investment apps continue to make ground (Popular with Gen Z, Millennials)

Even if it’s just baby steps, few things in life are more satisfying (or addictive) than the boost from seeing your progress towards your goals. It’s the reason Blossom posts earnings on customers’ savings daily, rather than monthly, or annually. The rise of digital investing platforms, with low fees and small initial investments ($5 and less), means it’s easier than ever for Aussies to invest with small amounts.

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2. Sustainable Investing: Here to stay (Popular with Millennials, Gen X)

With the rise of values-based investing, and social media giving Aussies more awareness of personal decisions on wider society, sustainable and ethical investing is also gaining serious momentum. Environmental, Social, and Governance (ESG) focused Funds allow people to choose investments which align with personal values, with a focus on issues like renewable energy, ethical supply chains, and corporate responsibility.

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3. Real Estate where everyone’s welcome (Popular with Millennials, Gen X)

If you’ve always planned to own property, it can be a bewildering experience watching house prices in Australia go up and up without having a realistic chance to get involved. Enter Real Estate Crowdfunding platforms, where barriers to entry are lower and costs like deposits spread across a broad base of investors. For a residential house or unit, investors might share the rent the property generates; for a large- scale property development, profit may come with the eventual sale price of the property.

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4. Dividend Stocks and Fixed Income Funds (Popular with Gen Z, Baby Boomers)

For Aussies getting serious about their super or planning an early retirement, generating steady income streams is top of mind. Dividend-paying stocks and Funds which offer exposure to fixed income investments are growing as a way to supplement retirement savings. Many of these types of investments offer regular earnings and payouts, making them attractive for Gen X and Baby Boomers looking for a consistent income without needing to dip into their savings or superannuation fund too quickly.

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As technology, tastes and trends transform the way we approach money, let 2025 be the year you stay informed and gain the confidence and open-mindedness to explore what works for you.

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Online disclaimer:

Nothing in this article should be construed as being personal financial advice. It is general in nature only and has not taken into account your particular circumstances, objectives, financial situation or needs. You should consider whether the information, strategies and investments are appropriate and suitable for you or seek personal advice from a licensed financial planner before making an investment decision. Past performance does not indicate future performance. All investments carry risk. BlossomApp Pty Ltd (ABN 74 644 216 151) is a C.A.R. (No. 001284228) of Gleneagle Asset Management Limited (AFSL 226199).