
• 美股的连日狂跌让老年人陷入了恐慌,但美国的年轻人却在一边悠闲地吃着爆米花,一边在网上分享自己的致富计划。一位24岁的年轻人在TikTok上兴奋地说:“先别管丝芙兰的促销活动了,现在整个股市都在‘大甩卖’呢。”一个22岁的年轻人也在短视频里说,他通过抄底美股,不到一个小时就赚了4.2万美元。
由于特朗普发起新一轮关税战,全球各大股市上周纷纷大幅下跌。美国“50后”的老年人们惊恐地发现,自己靠投资股市安度晚年的梦想几乎在瞬间成了泡影。到了昨天,他们的祈祷似乎有了回应——美国政府宣布对部分关税实施90天的豁免。但是用特朗普自己的话来说:“一切还远没有结束。”
但是跟老年人相比,美国人的年轻人们却觉得他们总算等来了一个千载难逢的抄底时机。
在TikTok,有很多年轻人在分享自己绿油油的账户,也在分析此轮市场波动将给他们的长期财富造成哪些影响。
一位来自纽约的24岁Tiktok网友@pipercassidyphillips在短视频中称:“现在整个股市都在‘大甩卖’。”
“别管丝芙兰的促销活动了。昨天整个股市遭遇了2020年以来最大的单日暴跌,这意味着现在正是抄底的好时机,因为股票实实在在地在‘打折’,它们变便宜了。”
“所以,我提醒大家:如果你手里有可以投资的钱,现在正是入场的好时候,我自己就正在这么做。”这位网友还表示,她投资股市是为了给自己攒养老钱,在投资之钱,她还咨询了ChatGPT的理财建议。
“虽然我还是会关注丝芙兰的促销,但我会优先把抄底股市这件事放在第一位。”
时间站在年轻人一边
跟那些马上退休的六七十岁的老年人不同,美国的年轻一代是能扛住股市的波动的,他们自己也深知这一点。
以24岁的米娅・麦格拉思为例。她的目标是40岁就退休,不过她对当前的股市波动并不在意。
“股市目前正在下行,人们都很恐慌。”她在一则短视频中说:“在这种情况下,人们的反应就是抛抛抛。但是股市的策略应该是高抛低吸。”
米娅是伦敦的一名客户经理。虽然截至上周末,她的股票也跌了5000英镑左右,但是她并不是特别在意。
“股市的复苏概率是百分之百。当然,股市也有过崩盘后整整15年都没有完全恢复的例子。这就是我为什么说股票投资是一种长线投资。你得着眼于未来几十年。”
另一位英国的金融博主瑞安・金也在短视频中称,2025年以来,他在股市上已经亏了12959英镑。
“但我并不担心,我亏损的只是‘账面’上的数字。在你真正把股票卖出去之前,你其实一分钱也没有亏。”
这位27岁的博主补充道:“从长远来看,我并不急着要用这笔钱,所以我有足够的时间等待市场回调。这其实也是一件好事。现在我的投资成本变低了,我投资的还是以前的那些基金,不过它们现在‘打折’了,所以变得更便宜了。”
对于现在的年轻职场人来说,假如他们的目标是65到70岁时退休,然后依靠投资收益养老,那么他们也还有20多年的时间来等待市场复苏。
而且他们在市场下跌时投资,更有可能提早实现财务目标,最终早点退休。
“这简直太疯狂了,疫情以来还没出现过这种情况。”一个网名叫Elap的21岁投资网红在TikTok上说:“我今天又亏了1783美元。在特朗普4月2日的讲话后,我的股票已经跌了超过10%。”
“如果你还年轻,这就是你最大的机会。” 在另一个短视频里,这位网红表示,股市崩盘也是一个让你发家致富的好机会——尤其是如果你现在还不到25岁的话。“2025年的美股股灾,很可能是你们这一代人最大的机会。”
有些年轻人已经通过抄底狠赚了一笔
近日,随着特朗普宣布暂停加征关税,美股迎来了一轮大涨。不少年轻投资者正沾沾自喜地炫耀他们通过抄底美股获得的巨额收益。
瑞安・金甚至在短视频里晒出了自己持有的多支先锋基金的账户截图,现在这些基金都已止跌回升。
投资网红Elap也表示赞同,他说随着这次市场回调,他在15分钟内就赚了2000多美元——正常情况下,像他这个年龄的人一般得工作3个星期才能赚到这些钱。
“这是千载难逢的机会,我上周就说‘现在是入市的时候了’。如果你们有人没听我的,这就是证据!“
他还表示:“这也恰恰说明了为什么要坚持长线投资。在市场低迷的时候,你更要追加投资,我自己就是这么做的。上周四、周五和本周一,我投入的资金都比往常多得多,现在我正在收获回报。”
当然,还有一些抄底的年轻投资者获得了更大的收益。
一个名叫西拉・阿莉雅的22岁年轻人不到一小时就赚了将近42000美元。两天后,她在网上晒出了自己的账户截图,表示自己又赚了39000美元。
“现在的股市太疯狂了。”她说。
“我炒股已经4年了,还从没见过这么大的波动……在这4年的炒股生涯里,我也从没遇到过能赚这么多钱的机会。简直太疯狂了。”
虽然她的这些钱主要是通过短线交易赚来的,但她还是给了那些希望积累长期财富的年轻人很多建议。
“自从本轮下跌以来,我个人一直在买入 VOO(先锋标普500指数基金)、VTI(先锋整体股市指数EFT基金),以及英伟达和AMD的股票。”她还补充道,对于刚接触美股的人来说,Robin Hood也是一个对新人很友好的投资APP。
“市场每次下跌后都会回升。所以不管是3个月、6个月还是8个月,你都要清楚一点,那就是即便我的投资亏损了,它也会涨回来。这就是长线投资。”
“你可能看别人一小时就赚了4.1万美元。但是长线投资不是这么回事。你把钱投进去后,要有耐心去待它随着时间慢慢增值。”(财富中文网)
译者:朴成奎
• 美股的连日狂跌让老年人陷入了恐慌,但美国的年轻人却在一边悠闲地吃着爆米花,一边在网上分享自己的致富计划。一位24岁的年轻人在TikTok上兴奋地说:“先别管丝芙兰的促销活动了,现在整个股市都在‘大甩卖’呢。”一个22岁的年轻人也在短视频里说,他通过抄底美股,不到一个小时就赚了4.2万美元。
由于特朗普发起新一轮关税战,全球各大股市上周纷纷大幅下跌。美国“50后”的老年人们惊恐地发现,自己靠投资股市安度晚年的梦想几乎在瞬间成了泡影。到了昨天,他们的祈祷似乎有了回应——美国政府宣布对部分关税实施90天的豁免。但是用特朗普自己的话来说:“一切还远没有结束。”
但是跟老年人相比,美国人的年轻人们却觉得他们总算等来了一个千载难逢的抄底时机。
在TikTok,有很多年轻人在分享自己绿油油的账户,也在分析此轮市场波动将给他们的长期财富造成哪些影响。
一位来自纽约的24岁Tiktok网友@pipercassidyphillips在短视频中称:“现在整个股市都在‘大甩卖’。”
“别管丝芙兰的促销活动了。昨天整个股市遭遇了2020年以来最大的单日暴跌,这意味着现在正是抄底的好时机,因为股票实实在在地在‘打折’,它们变便宜了。”
“所以,我提醒大家:如果你手里有可以投资的钱,现在正是入场的好时候,我自己就正在这么做。”这位网友还表示,她投资股市是为了给自己攒养老钱,在投资之钱,她还咨询了ChatGPT的理财建议。
“虽然我还是会关注丝芙兰的促销,但我会优先把抄底股市这件事放在第一位。”
时间站在年轻人一边
跟那些马上退休的六七十岁的老年人不同,美国的年轻一代是能扛住股市的波动的,他们自己也深知这一点。
以24岁的米娅・麦格拉思为例。她的目标是40岁就退休,不过她对当前的股市波动并不在意。
“股市目前正在下行,人们都很恐慌。”她在一则短视频中说:“在这种情况下,人们的反应就是抛抛抛。但是股市的策略应该是高抛低吸。”
米娅是伦敦的一名客户经理。虽然截至上周末,她的股票也跌了5000英镑左右,但是她并不是特别在意。
“股市的复苏概率是百分之百。当然,股市也有过崩盘后整整15年都没有完全恢复的例子。这就是我为什么说股票投资是一种长线投资。你得着眼于未来几十年。”
另一位英国的金融博主瑞安・金也在短视频中称,2025年以来,他在股市上已经亏了12959英镑。
“但我并不担心,我亏损的只是‘账面’上的数字。在你真正把股票卖出去之前,你其实一分钱也没有亏。”
这位27岁的博主补充道:“从长远来看,我并不急着要用这笔钱,所以我有足够的时间等待市场回调。这其实也是一件好事。现在我的投资成本变低了,我投资的还是以前的那些基金,不过它们现在‘打折’了,所以变得更便宜了。”
对于现在的年轻职场人来说,假如他们的目标是65到70岁时退休,然后依靠投资收益养老,那么他们也还有20多年的时间来等待市场复苏。
而且他们在市场下跌时投资,更有可能提早实现财务目标,最终早点退休。
“这简直太疯狂了,疫情以来还没出现过这种情况。”一个网名叫Elap的21岁投资网红在TikTok上说:“我今天又亏了1783美元。在特朗普4月2日的讲话后,我的股票已经跌了超过10%。”
“如果你还年轻,这就是你最大的机会。” 在另一个短视频里,这位网红表示,股市崩盘也是一个让你发家致富的好机会——尤其是如果你现在还不到25岁的话。“2025年的美股股灾,很可能是你们这一代人最大的机会。”
有些年轻人已经通过抄底狠赚了一笔
近日,随着特朗普宣布暂停加征关税,美股迎来了一轮大涨。不少年轻投资者正沾沾自喜地炫耀他们通过抄底美股获得的巨额收益。
瑞安・金甚至在短视频里晒出了自己持有的多支先锋基金的账户截图,现在这些基金都已止跌回升。
投资网红Elap也表示赞同,他说随着这次市场回调,他在15分钟内就赚了2000多美元——正常情况下,像他这个年龄的人一般得工作3个星期才能赚到这些钱。
“这是千载难逢的机会,我上周就说‘现在是入市的时候了’。如果你们有人没听我的,这就是证据!“
他还表示:“这也恰恰说明了为什么要坚持长线投资。在市场低迷的时候,你更要追加投资,我自己就是这么做的。上周四、周五和本周一,我投入的资金都比往常多得多,现在我正在收获回报。”
当然,还有一些抄底的年轻投资者获得了更大的收益。
一个名叫西拉・阿莉雅的22岁年轻人不到一小时就赚了将近42000美元。两天后,她在网上晒出了自己的账户截图,表示自己又赚了39000美元。
“现在的股市太疯狂了。”她说。
“我炒股已经4年了,还从没见过这么大的波动……在这4年的炒股生涯里,我也从没遇到过能赚这么多钱的机会。简直太疯狂了。”
虽然她的这些钱主要是通过短线交易赚来的,但她还是给了那些希望积累长期财富的年轻人很多建议。
“自从本轮下跌以来,我个人一直在买入 VOO(先锋标普500指数基金)、VTI(先锋整体股市指数EFT基金),以及英伟达和AMD的股票。”她还补充道,对于刚接触美股的人来说,Robin Hood也是一个对新人很友好的投资APP。
“市场每次下跌后都会回升。所以不管是3个月、6个月还是8个月,你都要清楚一点,那就是即便我的投资亏损了,它也会涨回来。这就是长线投资。”
“你可能看别人一小时就赚了4.1万美元。但是长线投资不是这么回事。你把钱投进去后,要有耐心去待它随着时间慢慢增值。”(财富中文网)
译者:朴成奎
• While the stock market crash sent baby boomers into panic mode, Gen Z was grabbing the popcorn and sharing their plans to get rich. “Forget about the Sephora sale… the entire stock market is on sale right now,” one excited 24-year-old shared on TikTok. Meanwhile, a 22-year-old shared how she made $42K in less than an hour thanks to the volatile market.
The world’s stock markets tanked late last week in response to President Donald Trump’s new tariffs—and baby boomers watched in horror as their dreams of a comfortable retirement briefly went up in flames. Although their Hail Mary’s were answered yesterday, with a 90-day pause on select tariffs, in Trump’s own words, “Nothing’s over yet.”
And Gen Z is here for the ride.
In fact, TikTok was rife with young people sharing excitement over their losses and what the market volatility could mean for their long-term wealth.
“The entire stock market is on sale right now,” the 24-year-old content creator from New York @pipercassidyphillips posted to her channel.
“Forget about the Sephora sale, which is going on right now. The whole stock market yesterday had the biggest single day crash since 2020, which means this is a good time to buy because things are literally on sale. They are cheaper.”
“So this is just your general PSA that if you’ve been sitting on some money that you want to invest, this is the time—I’m doing it,” Piper Phillips said, adding that she consulted ChatGPT for financial advice before investing cash towards her retirement.
“So I will be hitting up the Sephora sale, but I’m going to be prioritizing the stock market sale first.”
Gen Z has time on their side—and they know it
Unlike those in their 60s and 70s who are planning on retiring soon, Gen Zers can withstand the current volatility—and they know it.
Take 24-year-old Mia McGrath for example. Despite having lofty goals to retire by 40, she shared her nonchalant approach to the market’s ups and downs.
“The market is in a bit of a downturn right now, and people are panicking,” she posted in a recent TikTok video. “People’s reaction in a situation like this is to sell, sell, sell, but you have to buy low and sell high. That’s just the way the stock market works.”
Although her stocks were down £5,000 (about ¢6,500) at the end of last week, the London-based account manager wasn’t worried.
“The market has a 100% recovery rate,” she added. “So yes, there have been instances where it hasn’t fully recovered from a crash for 15 years, but that’s why I always say that investing is for the long term. You have to have the next few decades in mind.”
Ryan King, another British financial content creator, shared on his social media channels that he’s “lost £12,959 in 2025.”
“But I’m not worried,” he posted on @makingmoneysimple. “The money that I’ve lost is only lost ‘on paper.’ You don’t lose any money until you lock in your losses and actually sell”
“I don’t need this money for the long term. So I have time for the market to recover,” the 27-year-old added. “This is a good thing. I can now invest at lower prices each month—into the same funds that I was already investing into—as they are now ‘on sale’ and cost less.”
Even with the aim of quitting work and living off their investment portfolio decades earlier than the conventional retirement age range of 65 to 70, Gen Z still has over 20 years to wait for the market to recover.
If anything, they reckon buying into the dip, will accelerate their financial goals and help them retire earlier.
“This is absolutely insane. This hasn’t even happened since COVID,” a 21-year-old American investing influencer who goes by Elap shared on TikTok that he was “down another $1,783 in one day” and “down more than 10% in two days because of Trump’s Liberation Day.”
“If you’re young, this is the biggest opportunity.” In another video, he shared that stock market crashes “can make you rich”—especially if you’re under 25: “2025 stock market crashing is your biggest generational opportunity.”
Trust the process: Some Gen Zers are already seeing huge gains
Since Trump’s tariff pause sent stocks soaring, Gen Z investors have been smugly sharing their huge financial gains.
King even shared screenshots of his various Vanguard funds, which are all now back in the green.
Elap echoed that he made over $2,000 in just 15 minutes—in comparison, most people his age would need to work for nearly three weeks to earn that.
“This is a once-in-a-lifetime opportunity—if you guys weren’t listening to me the past week, saying ‘this is the time you need to be getting into the market.’ This is just proof,” he posted.
“This just goes to show how you need to stay investing long term and on downturns, you need to be putting even more money into the market, which is what I’m doing, and now I am up even more than I even lost,” he added. “Last Thursday, Friday, and this Monday, I put in tons more money than usual and now I’m reaping the rewards.”
Of course, the Gen Zers who invested more in the dip saw even bigger gains.
One 22-year-old made nearly $42,000 in less than an hour. Two days later, Sierra Aaliyah shared that she had made another $39,000 with screenshots of her ballooning portfolio.
“The stock market right now is insane,” she added.
“In my four years of trading, I’ve never seen volatility like this… Never in my four years of trading have I been able to make this much money. This is crazy.”
Although she made the bulk of her money day trading, she gave lots of advice for Gen Zers looking to build long-term wealth.
“I personally have been buying VOO (Vanguard S&P 500), VTI (Vanguard Total Stock Market Index Fund ETF), Nvidia, AMD shares since the market’s been dropping,” the Gen Zer said, while adding that Robin Hood is a good app to get started on investing in shares.
“Every single time the market drops, it recovers. So whether it takes three months, six months, eight months, make sure you know in your mind, oh my gosh, if I’m down on my investment, it’s going to come back up—that is long-term investing.”
“This is not something where you put your money in, and you’re like, in an hour, I made $41k. This is, you put your money in there, you sit, you let it grow over time.”