Young Men in the Dutch Investment World

The Dutch Investment World: Dominated by Young, Highly Educated Men with Above-Average Incomes

3 September 2025 on 08: 47

Reading time: 2 minutes

It's clear that investing isn't uniformly distributed among the Dutch population. The difference between men and women is significant. Statistics show that 31% of men invest, while this is only true for 18% of women.

Education and Income as Determining Factors

Education level and income also play a significant role in investment behavior. Among highly educated Dutch people, 38% invest, while this percentage is only 12% among those with lower levels of education. Income groups also show a significant difference: 44% of those with an above-average income invest, compared to only 14% of those with a below-average income.

Age as a Crucial Factor

It's striking that even after adjusting for factors like wealth and income, age still plays a decisive role in investment behavior. Young people aged 18 to 24 are twice as likely to invest as those aged 65 to 80.

Crypto Investors: Risk Takers or Strategists?

Cryptocurrencies have established a solid position in the investment market. A quarter of investors own cryptocurrencies or a related tracker. Despite the stereotype of the reckless gambler who bets their entire fortune, recent research shows that 70% of crypto investors also invest in traditional investments such as shares or holds funds.

The Cautious Crypto Investor

It is rare to find investors who invest exclusively in crypto Investing; this group represents only 7% of the total number of investors. The average crypto investor appears to be a cautious strategist, with a significant amount of savings. On average, their disposable income consists of 47% savings, 28% traditional investments, and 'only' 25% crypto.

Why Not Invest?

For the majority of Dutch people who don't invest, reasons other than financial ones often play a role. Risk is the most frequently cited reason for not investing (54%), followed by a lack of knowledge (45%).

Frequently Asked Questions

Who dominates the Dutch investment market?
The Dutch investment market is dominated by young, highly educated men with above-average incomes.

What is the role of cryptocurrencies in the Dutch investment market?
Cryptocurrencies have established a solid position in the investment market. While the stereotype of the reckless gambler persists, research shows that most crypto investors also hold traditional investments.

What are the main reasons for Dutch people not to invest?
The main reasons Dutch people don't invest are risk and a lack of knowledge. For those with less than €2.500, the main reason is "I don't have any money left," while those with over a quarter of a million are more likely to say they find investing too complicated or too much hassle.

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