Financial Literacy and Investment Trends Among Young Investors: A Secondary Data Analysis

This study examines the financial literacy levels and investment trends among young investors in India, particularly millennials and Generation Z aged between 18 and 35 years. Using secondary data sourced from published reports, academic journals, SEBI publications, NSE/BSE statistics, AMFI data, and reputable financial databases, this paper analyzes the evolving investment landscape post-COVID-19. The findings reveal a significant rise in retail participation in equity markets, a surge in mutual fund SIP investments, and increasing engagement with digital platforms and fintech applications. However, the analysis also highlights persistent gaps in financial literacy, particularly regarding risk management, diversification strategies, and long-term financial planning. The study concludes with recommendations for educational institutions, regulatory bodies, and policymakers to bridge the financial literacy gap and foster sustainable investment behavior among India's youth.