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Future Investment Trends: 5 Key Trends Banks Need to Know

In this guide, we’ll explore the top investment trends for the next decade, helping you navigate the changing financial markets and create the right products for your customers.
Picture of Veronika Hlinková

Veronika Hlinková

  • 5 min read

Future investment trends

It is no secret that the global investment landscape is undergoing a massive transformation. As digital-first solutions, AI-driven investing, and blockchain integration reshape financial services, banks must adapt to stay competitive. The wealthtech industry, currently valued at $17 billion, is projected to more than double to $39 billion by 2028, highlighting the growing demand for modern investment solutions.

1. The Rise of Sustainable and ESG Investments

As future investment trends evolve, investors shift towards responsible investing, prioritizing sustainability over short-term gains. According to the Morgan Institute for Sustainable Investing, 77% of global investors are interested in ESG investing, and 57% have grown their interest over the past two years.

How to build ESG into your investment strategy:

  • AI-Powered ESG Analysis – Develop or integrate automated ESG scoring models to evaluate sustainability risks and opportunities.
  • Green Investment Products – Design and offer green bonds, sustainability-linked loans, and ESG-focused funds.
  • Blockchain for Transparency – Utilize blockchain technology to ensure transparent ESG reporting and fraud prevention.

2. The Growth of AI and Fintech Investments

AI-powered fintech solutions are becoming the driving force behind future investment trends, offering investors smarter, faster, and more efficient decision-making tools. Companies that are open to AI technology and commit to responsible governance can drive innovation, enhance efficiency, and unlock new opportunities.

Practical applications for AI in finance:

  • AI-Driven Portfolio Optimization – Machine learning models can help analyze market patterns, macroeconomic data, and investor behavior to refine investment strategies.
  • Algorithmic Trading and Robo-Advisors – AI-based robo-advisors are enabling cost-effective, customized financial planning for retail and institutional investors.
  • AI Chatbots for Financial Advice – Deploy AI chatbots to offer real-time, data-driven investment insights.

3. Digital Assets and the Evolution of Cryptocurrency 

Digital assets offer a chance to rethink traditional financial market structures. Their use can make the transaction processes quicker, and more transparent and it can reduce counterparty and infrastructure risks. As future investment trends lean toward blockchain-powered finance, demand for crypto integration in banking apps is growing.

How to leverage crypto and blockchain:

  • Tokenization of Real-World Assets – Use blockchain to tokenize stocks, bonds, and real estate, improving liquidity.
  • Institutional Crypto Custody Solutions – Build secure custody services for digital assets, catering to high-net-worth individuals and hedge funds.
  • Blockchain for Cross-Border Payments – By using blockchain-powered real-time settlement systems you can reduce costs and processing times for global transactions.

ESG as future investment trend

4. The Rise of Passive Investing

In the landscape of future investment trends, passive investing is gaining dominance as investors prioritize efficiency and cost-effective strategies. Automated portfolio solutions, such as robo-advisors, allow for algorithm-driven asset allocation with minimal active management. 

Unlock Opportunities with Pasive Investing:

  • Robo-Advisors for Automated Portfolio Management – Launch robo-advisory platforms to offer cost-efficient, algorithm-driven investing. For instance, JPMorgan’s SmartRetirement Funds optimize portfolios using automation, providing clients with low-cost, long-term investment solutions.
  • Smart-Beta Strategies for Enhanced Returns – Introduce smart-beta ETFs and funds to refine traditional indexing with factor-based investing.
  • Multi-Asset Funds for Diversified Investment – Expand multi-asset investment options to meet the demand for diversified portfolios.

5. REITs Investment Option

With interest rates expected to decline, real estate investment trusts (REITs) is also one of the future investment trends. Global REIT market size is expected to rise by USD 350.2 billion from 2024-2028. Banks and financial institutions can highlight REITs as a strong income-generating investment, benefiting from lower financing costs and improving market conditions.

REITs: A High-Yield Opportunity for Your Customers:

  • Add REITs to Your Investment Offerings – Incorporate REITs as part of your investment portfolio to provide clients with a stable, income-generating asset class that benefits from long-term growth.
  • Educate Investors on REIT Benefits – Help clients understand REIT tax advantages, passive income potential, and diversification by offering educational content and advisory services.
  • Highlight REIT Potential Amid Lower Rates – Highlight the benefits of investing in REITs, as lower borrowing costs lead to higher profitability and growth potential.

 

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