The hordes of individual investors invaded the stock market in 2021 and pursued a volatile “MIM” share with a strong follow -up on social media, while the poor financial statements are weak. It seems that these passion classes have in companies like “GameStop” and “AMC Entertainment” like a fever that must end, and this is the one whose flames stimulated assistance has gripped during the epidemic, and the boredom that came to people before finding vaccines, so beginners who were transforming them with a stock (Keith Gail (Rourring) Cohen. When we look at the case for three years, it became clear: A new era in the money industry has started. Handling money has never been so easy or time, and the madness of the M. will not end. which is easily parallel to touching the screen in search of relationships by the “Tinder” date application. The children of the “Z” generation usually start investing when they are on average 19 years old, according to a “Charles Schwab” questionnaire in June. Compared to 32 years for the children of “X” and 35 years of the birth form. The company also concluded that about three out of every five Americans invested in equities. The federal reserve data show that this percentage is the highest. The field became wider for retail investors for many ways to play in markets that were mysterious and far from their reach. The boxes that circulate on the stock exchange investing in ‘Bitcoin’ appeared the first time this year, and the immediate options tree, which allows traders, had urgent and dangerous bets on price movement, with a boom among investors who were like wildfire. At the same time, there has been a boom in sports, as Americans have gained more than $ 220 billion over the past five years, according to the American Games Association. In addition, there is a company called ‘Masterworks’ that enables the public to purchase partial interests in works of art. “Trading can be considered the same kind of betting on the internet we see in games and in the world of sports … it’s part of the spirit of gambling.” The emerging market makes the trade look easy and enjoyable, but the stamps may be bad on investors. When the S&P 500 fell by 19% in 2022, according to Vanda Research, individual investors lost a total of $ 350 billion. The average investment of individuals has decreased by a third. The risks appear a lot among the youth. Breine does not develop completely until people have reached the middle time, and US public surgeon Vivic Mortth recently published advice on the impact of social media on children and adolescents, which highlights the risk of addiction. Online brokerage companies share social media with some features, both categories are based on interaction and participation, and there is an overlap in the rules of their users as investors exchange recommendations via “reddit”, “X” and “Tech talk”. The traditional approach is the most beautiful, Clefton Green, a professor of finance at Emory University, said that if individual investors lose a lot of money today, they can give up forever, and they miss the long -term gains that can be more secure through diversification and through the funds that the indicators follow. Despite all the fuss on options and trading of specific stocks, any investor who bought an interest in a fund that represented the S&P 500 would bought five years ago and reinvested its profits, doubling its money through the annual return of 15%. Research shows that investor commitment, whether professionals or amateurs, is better for them to a variety of long -term, and that fast trading tends to end with painful losses. The organizers are concerned that brokerage firms have been manipulated in a way that attracts people to bet with more money. “Robin Hood Markets” this year agreed to pay $ 7.5 million to settle the allegations of the Ministry of the Massachusetts Ministry, that the functions of the game -like company enabled young customers who often have no experience. (While the company, which said the allegations did not reflect current practices, he denied that he had committed any offenses). One of the functions mentioned by the ministry and the cancellation of the company, the company’s use of a bright piece scene has fallen to celebrate the screen of its application when the user is completed by the first trading. The US securities and stock exchange and the financial protection office also look at such practices. In a recent report issued by the office, the similarities between financial services and games indicated. Trading addiction Julius Johnson, 33, who worked in the retail in San Antonio and traded in his spare time, began investing in 2020 after seeing what a person was published via ‘X’ about his profits. Johnson is often concerned with stock options such as “gym stops” and “drafts”, and the “Invasco Q quo qio” box on the stock exchange that follows the Nasdaq 100 index. In his first year, he lost $ 2000 within two weeks and almost left his hobby. He traded on his phone during the rest periods, and sometimes he sneaks into the bathroom, or sits in his car to follow his bets on the options. He said: “It’s a strong addictive matter, maybe it’s about the user interface and the ease of trading.” He returned to spread again after repairing the S&B 500. To understand the shares, you should consider the purchase a few decades ago. Suppose you heard about your friends at the time of a promising company selling the arrow for $ 50. You should mention the securities you are dealing with, and ask to buy a group of 100 shares for $ 5,000. To create a fairly varied portfolio of 20 companies in this way, you need $ 100,000. There was the issue of fees that could reach hundreds of dollars. When the amendments to the US Security Act of 1975 terminated fixed trade commissions, some brokerage firms used it as an opportunity to raise their fees. Others went to the contrary because they created Low Festival. ‘Charles Schwab’ has only received $ 70 fees for the agreement, and it is almost not mentioned by the standards of that time. Thanks to improving technology and competition, the fees still dropped to $ 13 per agreement in 2005, then $ 5 by 2019, and this led to the era of lack of fees we see now. The lack of mediation fees at the beginning of the century began to enable investors to buy part of the share of a small amount that one dollar could be, and sometimes not exceed one year. Although the shares were available in the 1990s, the high trading fees did not make the investment of small amounts logical. Low costs for individual investors also facilitated the purchase of interests in the indicator funds and their retention. Of course, there is nothing truly free in Wall Street. Brokers nowadays earn money by sending sales and purchasing orders from their clients to computerized trading companies such as “Citetal Sikiitez” and “Verto Financial”, which pay for sending transactions to them. Although this system helps to pump liquidity in the market, the securities and stock exchange authority are concerned that individual investors will eventually receive worse prices for their shares, that is, paying hidden commissions. What was previously a process that needed days, phone calls and papers can now be completed without a previous commission within seconds. “If you wanted to invest ten years ago, the fees are devoured about half of your savings,” said Yelena Larkin, a professor who participated in the Finance Science at the University of York in Toronto. She is studying for a preliminary course in the money sector with the desire of her university students, and she says that almost everyone has a trading account or a knowledge of the stock market, but they are not forced to think about trading fees because they grew up in a world without them. Even before a decade, it had to trade its owner and a table computer or a mobile computer. Now you can trade via a mediation account of “Robin Hood”, “Intraft Broker”, “ET” or “Queen Piece” as soon as you see a mail via “” v “or” Instagram “, or after watching a cut via” tok “. Joe Mazla, the main trade strategy and derivatives of ‘Shawab’: ‘You must give your clients a smartphone access … If we look at the activity via the smartphone against the activity via the game, we find that growth is great, the smartphone changes the rules of the game. ‘Bin Allen works in the field of music in Atlanta and trades the man who is fifty years old as an extra job for 15 years, and the fees were taken down until it wasn’t. And ‘Invidia’.
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