More than just an exciting target group – columns


of Lars Brandau, managing director of the DDV

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Millennials are the generation born between the early 1980s and the late 1990s. Millennials are now between 22 and 37 years old – and they are discovering the capital markets.

Whether it is the need for insight or something else is an open question. But apparently they understood that saving alone is not enough. No interest minus inflation certainly does not lead to wealth accumulation. In this respect, I am assuming that millennials can count. In addition, they are fairly unreserved towards the extensive product world. When it comes to trending topics such as sustainability, medical health or IT, they are decidedly more open-minded than many long-established dividend hunters. Therefore, millennials are an extremely exciting group of investors; for banks offering their products as well as for science related to research in behavioral finance.

And what exactly is the new group of investors doing now? First of all, she gathers experience, shows her interest, saves, invests and speculates. So far so good. If we now look at the 2020 stock market year, we can see that it ultimately ended extremely lightly. After the supposed crash of the century in March / April, this was hardly to be expected. Anyone who entered the markets from May onwards cannot have done so much wrong; the prices were in many cases the bottom and there were plenty of good stocks. However, the main thing now is not to get cocky and euphoric. This is usually the beginning of the next descent. All older investors who have already been to the Neuer Markt will remember it impressively.

Even if we live in the here and now, we shouldn’t lose sight of the need for old-age provision. Because only those who are ready today to save for tomorrow will be able to maintain their current standard of living in old age.

Predictions can be wrong. The signs on the capital market are constantly changing. What promises security depends on market developments. But the search for lucrative returns will not only drive millennials in the future. More and more investors seem to be realizing that they are doomed to trade. In this respect, the use of structured securities in the portfolio is almost a “must” instead of just a “can”.

The DDV is the industry representative of the leading issuers of derivative securities in Germany. As a political interest group, the DDV – the largest of its kind in the world – is also active in Brussels. The members are among the most important issuers in Germany. They represent 90% of the total market. The DDV promotes the derivatives market and thus the acceptance of certificates, reverse convertibles and warrants. The goals of the DDV also include protecting investors and improving the understandability and transparency of the products. Further information at:

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