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Business Model Canvas - Download the Official Template

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Download the business model canvas template and start planning a business model straight away! Download the pdf template for free | Strategyzer Tools

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art work about millennials

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Millennial Fever - Exhibition at The Take Courage Gallery in London

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Like Generation X, The G.I Generation or the Lost Generation, The Millennials are people of the same age group, who have similar ideas, problems, and attitudes. This group of people are the most familiar with communications, media and digital technology and it is saturated into their everyday living for good and often bad.

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Company that builds stands and specialise in millennial ones

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Millennials are not saving enough for the future - but a series of new apps are promising to nudge them into making a start.

Micro-investing - the act of saving very small amounts of money regularly - is touted as a way to make investing manageable for young people on low incomes or with few assets.

The idea is that by linking to a debit card, micro-investing apps can suck virtual "spare change" from their pockets and funnel it directly into an investment portfolio almost without anyone noticing.

The under-35s may not feel they are earning enough to invest in funds or shares. But digital advances could make it possible to "round up" the £1.80 purchase of a cup of coffee on their contactless bank card to a £2 charge - with the excess 20 pence seamlessly diverted into an investment fund.

Over time, regular small investments will build up into something larger - 20 pence a day builds into £6 a month, or £72 per year. That doesn't sound like much, but it's better than nothing - and industry advocates of micro-investing hope it will start a habit that will grow alongside millennials' earnings.

Small is beautiful

This explains why BlackRock, the world's largest asset manager, has such a large interest in micro-investing.

It may seem strange that a global investment behemoth with more than $4.5tn of assets under management should be interested in obtaining an investment of just 20 pence - but the mantra of "it's better than nothing" applies here too.

Research by a group of asset managers - led by BlackRock - found that more than 80 per cent of the UK population don't save regularly because they don't have a disposable income.

And according to The Money Charity, 9.61m households in the UK have no savings at all. If people aren't saving, then it follows they're not investing - and that becomes an issue for companies in the business of selling funds.

A further problem is that people find talking or thinking about saving and investing boring. Mintel, the global market research group, found that about a third of UK consumers either have "low" or "extremely low" interest in financial management.

Podcast

Presenter Claer Barrett and guests discuss how new micro-investing apps could help young people to invest their spare changeDownload here

Troubled by this situation, the Tax Incentivised Savings Association (Tisa), a lobby group for companies involved in making or selling savings and investment products, has set up a working group to think about the UK's "financial wellbeing".

The group includes banks Lloyds and RBS and building society Nationwide, along with insurers such as Aviva and asset managers including Threadneedle and Schroders - all of whom are working together to increase the amount people save.

Micro-investing is its solution. "One of the primary challenges the industry faces is reigniting the savings culture by making it easy for people to save very small levels of money frequently," said Carol Knight, operations director of Tisa.

But it faces a lot of challenges. First, making an investment is commonly viewed as a decision that will involve conducting hours of research and filling out of paperwork, which many people don't want to do.

Second, people's expectations have changed. Digital advances mean people expect online services that deliver exactly what they want, exactly when they want it. By contrast, the process of setting up an investment and putting money into a fund is quite complicated.

A digital micro-savings culture would need to overcome obstacles in the current system - such as minimum investment levels and the higher cost of making lots of small transactions as opposed to a few big ones - not to mention the bother of moving money from one account to another.

But the demand is there. About 90 per cent of people say they would be comfortable "using technology to manage their finances", according to Tisa research, and 90 per cent of millennials look at their smartphone within 15 minutes of waking up, says Deloitte.

Whilst we have a plethora of apps to track our sleep patterns, order pizza immediately or to tell us where the nearest bus stop is, there are very few apps to help people save, or make micro-investments. But this is about to change.

Digital passports

Last November, Tony Stenning, head of retirement for Europe at BlackRock and chair of Tisa's savings and investments project, set out the group's main solution to the savings problem to an audience of fund managers.

There should be, he said, a digital passport for finance. It would hold information about investors across banking, insurance and fund products and it would have all of the information that a fund manager might need to put an investor's money in a fund - meaning anyone could invest at the tap of a screen. No paperwork needed.

Best of all, said Mr Stenning, such a thing would "definitely enable micro-saving".

"You can go to Starbucks, buy your coffee for £1.90 and then add an extra 10p to your savings," he said. In time, savings accounts could be linked to funds to let people invest their loose change without even thinking about it.

"It's just nudging people to put money away even when they're not really thinking about it and not having to write out big cheques," he added.

Nudging - the act of giving someone a small push into doing something beneficial - is at the heart of the micro-investing revolution.

It's just nudging people to put money away even when they're not really thinking about it and not having to write out big cheques

Tony Stenning, head of UK retail at BlackRock

The UK financial regulator recommended using "nudge theory" to increase savings and investments in its recent report on the financial advice market.

Mr Stenning believes that a digital passport allowing banks, building societies and asset managers to share information with each other will give rise to the kind of app that will see the principles of the nudge movement swing into action.

"If we get open standards on the digital passport that identifies you and allows you to go across the whole of financial services, then we can get some really smart people who can come in behaviourally and say - 'right, what do you need? How can I help you get it?'" he said.

"For example," said Mr Stenning, "when you're buying your coffee it could be your third one of the day. The app will know that, and it will say 'do you really want another one?' That's a little Nanny knows best, but you start to get people by nudging."

The new wave of apps

Asset managers - and high street banks - are woefully behind other consumer-facing businesses when it comes to offering their customers digital options.

In the US and Australia, a company called Acorns allows people to round up their spare change and invest it in one of five portfolios built from low-cost ETFs.

The app - which charges a management fee of $1 per month on top of the cost of buying the funds - allows customers to round up any purchases on their bank cards and automatically invest their virtual "spare change" in an ETF.

In the UK, a new equivalent - called Money Box - is set to be launched shortly. "We wanted to find a way to help people put their money aside regularly, but into something better than a savings account," said founder Charlie Mortimer. "We're targeting millennials, 18-35-year-olds."

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Picture the scene: you go for a run, armed with a smartphone app that measures how far you go, your speed and the energy you expend. As you push yourself onwards, the app connects with your bank and transfers small amounts of your cash to a higher-yielding account. The harder you run (or the further you walk), the more money you make through your savings. It sounds outlandish but is already a reality. Russia's Alfa-Bank last year began offering its Activity scheme to customers, linking up with their fitness tracking software on their smart devices and giving a 6 per cent interest rate on the higher-earning account.

"People are not setting money aside in a structured way because they're intimidated by investing and they think you've got to have loads and loads of money to get started," he said.

The app offers a choice of three low-cost index funds, run by Vanguard, BlackRock and Henderson. "The global equities fund is nice because even if you've only got a pound you can invest in Facebook, Apple and Google," said Mr Mortimer.

The app covers its transaction costs by charging a fixed rate of £1 a month on top of its annual management fee of 0.45 per cent of funds invested. The management fee alone is in line with Hargreaves Lansdown, but with fixed annual £12 transaction costs factored in it is hard to make comparisons with other platforms, all of which charge by taking a percentage of what you invest. Nutmeg's annual management fee is 0.95 per cent - but there are no further transaction costs.

"There are no dealing fees or withdrawal fees," said Mr Mortimer. "If, on a random Wednesday they have £4 to set aside, we want them to invest it."

Newcastle-based investment management company True Potential has the only UK app that allows micro-investing, giving savers the chance to put as little as £1 into a multi-asset fund.

"The significance of this is that to save £15,000 into a stocks and shares Isa could take three to four hours with an adviser," said David Harrison, managing partner at the company. "But to get into £15,000 of debt you just have to phone up a payday lender, and you've got the money in seconds."

Mr Harrison said the average amount of money people invest though the app in one go is £10. "Around 75 per cent of investments are under £50," he said.

The app allows investors - who have to be signed up with True Potential - to invest in funds managed by Goldman Sachs, Schroders, Allianz and 7IM.

The reason more of these apps don't exist is because they are "devilishly difficult to build", Mr Harrison says.

Daniel Godfrey, former chief executive of the Investment Association, is currently an adviser to the makers of the Money Box app, and agrees that it would be difficult for an asset manager to come up with a similar product.

"Tech isn't just about getting an Apple tool kit and blazing a trail," said Mr Godfrey. "The existing providers just don't have time to do it. They're dealing with [implementing forthcoming European financial regulation] and they just don't have spare capacity."

But micro-investing apps such as Money Box are "encouraging people to save by making it easy and making it fun", he says. "I think there's a lot of potential for this to engage people with saving."

Small change

"Rounding up" has long been touted as a painless way to save, and coffee - a widely available commodity with a high mark-up - is exactly the kind of discretionary purchase that savings gurus advise consumers to forge.

Lloyds has had such an app, called "Save the Change" since 2010, although it only allowed customers to funnel money into their current accounts, and not into investment products.

"The round-up mentality is a great idea," said Shaun Port, chief investment officer at online wealth manager Nutmeg, but when it comes to putting spare change into funds he says it is "hard to get the commercials right".

Nutmeg, like other low-cost managers, offers exchange traded funds (ETFs) which track indices and are bought and sold as shares.

The problem is that you have to invest at least the cost of one whole share.

"Traditionally, private investors have only been able to buy whole shares in a single-company stock or exchange traded funds on UK platforms," said Joe Parkin, head of retail at BlackRock's ETF business.

"These shares cost specific monetary amounts, like £43.78 per unit, making it tricky if the investor does not have enough money to purchase a whole share or prefers to invest a fixed sum like £100."

Also, every time you invest in a fund, you incur a transaction cost.

Janine Menaskanian, head of UK wealth at US group Vanguard, said it was difficult to manage small portfolios in an effective way without fractional dealing.

Even small transactions incurred a trading charge, she said, which "hits investors' gain".

Nutmeg has recently found a way around this and now offers investors the ability to buy fractions of funds - and as a result it lowered the minimum investment it required people to make from £1,000 down to £500. But for many millennial investors, however, this will still be too high an entry point.

"The main thing is that it allows us to manage portfolios at a much lower level," said Nutmeg's Mr Port. "In theory we could cut [our minimum investment] down to £1. It's an ongoing discussion."

Broker Winterflood is hot on Nutmeg's heels, working with asset managers to allow investors to buy bits of ETFs. It says it will be able to do this from next month.

Related article

20-somethings feel financially doomed so do not save

Asset managers including Vanguard, Fidelity, JPMorgan, HSBC and Liontrust have all been involved in a working group to push forward the idea of "fractional trading".

"We've got to bring down minimum investment levels," said Mr Stenning of BlackRock. "£50 a month is out of reach of a lot of people; it's got to come down to £5 to £10 a month."

It's clear that if the minimum sum is lowered it will be more possible for those on lower incomes to access the stock markets.

But whether they will want to do so is a different problem. Those in the fund industry hope that by making it as easy to drop money into a fund as it is to buy something on Amazon, more people will see investing as part of their everyday lives.

Look after the pennies . . .

Financial adviser True Potential has been conducting a rolling poll of 2,000 UK adults every three months since 2013 to find out how much they are saving.

The company says that the answer has been that people have - on average - been saving about £100 per month, a figure that has stayed at the same level since polling began.

If this £100 per month was invested in a passive fund tracking the FTSE 100 each month, investors could expect to see their money almost double over 20 years, according to True Potential.

Using the returns generated by the stock market on a monthly basis between 1996 and 2016, and assuming that all of these returns were reinvested, TP calculates that an investor who had put away £100 a month since 1996 would have ended up with just over £41,000 - gross of fees - generated from their total investment of £24,000.

Even if younger investors think that the amounts they can afford to invest are smaller than £100 a month, don't forget that the same rules of compounding will apply over time. How much they will compound by will obviously depend on market performance - not a lot you can do about that - and the level of fees you are being charged.

Clearly, some of the new micro-investing products will have higher charges (when measured as a percentage of the amount you are investing) than more conventional investments. Perhaps this is a premium worth paying when you're getting started and only have small amounts to put in, but when you start to earn more, then switching to a more mainstream investment platform may be better value.

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Millennials set to embrace micro-investing

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Millennials are not saving enough for the future - but a series of new apps are promising to nudge them into making a start. Micro-investing - the act of saving very small amounts of money regularly - is touted as a way to make investing manageable for young people on low incomes or with few assets.

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Apps like Monzo

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Tech-savvy millennials can now pick from a plethora of apps for simpler saving

Some are provided to existing customers of banks and building societies

To engage younger savers, some apps use emojis to communicate

Student debt, high rents and money-hungry social lives mean saving can be overlooked by millennials.

But many of this group, defined as those born between 1980 and the early 2000s, have the ambition to save, whether for a holiday or a home deposit.

Poor savings rates, high minimum investments demanded by many fund managers and the fear of tying up cash in a pension until the age of 55, are deterrents.

But by micro-saving or investing small amounts regularly, often with the help of technology, it is possible to ignite a rewarding savings habit.

SIMPLE SAVING

STEP 1: A current account that pays interest is a good starting point for beginners.

Sue Hannums, of independent savings expert SavingsChampion, says: 'Everyone needs a current account so it pays to earn interest on salary going in.

'Interest rates are higher than on traditional savings accounts - up to 5 per cent from Nationwide Building Society on its FlexDirect Current Account or 3 per cent from Tesco Bank.'

These rates are only on balances up to £2,500 and £3,000 respectively. Be aware that some accounts come with tough conditions, such as minimum funding levels or setting up multiple direct debits, so make sure you are disciplined enough to stick to the rules.
>Read This is Money's round up of the top-paying current accounts for interest

STEP 2: Regular savings accounts are ideal for encouraging financial discipline.

Designed for smaller savings, they tend to pay competitive interest rates. Hannums says: 'Some of the best rates are reserved for customers with existing current accounts. Nationwide, for example, pays current account customers interest of 5 per cent on its regular saver deal.'

You can search for the best savings deals through our independent and expertly-compiled savings tables: thisismoney.co.uk/savingsrates

You can search for accounts on websites such as SavingsChampion and Moneyfacts.

SAVING CASE STUDY: I've squirrelled away £200 in two months

STEP 3: Tax-free Help to Buy Isas are an ideal way for millennials to start saving for a home deposit, especially since the Government tops up a saver's fund with a 25 per cent bonus (maximum £3,000) on completion of a property purchase.

After an initial deposit of up to £1,200, savers can salt away up to £200 a month. Hannums says: 'The highest interest rate is from Barclays at 2.27 per cent, meaning savers earn a competitive rate while waiting for the big bonus.'

This April will see a new account, the Lifetime Isa, available to those aged between 18 and 40. Similar to Help to Buy, it will also offer a Government bonus of 25 per cent but will allow bigger contributions, while savers can choose between saving for a deposit on a first home or for retirement.

STEP 4: Tech-savvy millennials can now pick from a plethora of apps designed to make saving simpler.

Some are provided to existing customers of banks and building societies as a nudge to shift cash into savings accounts. These include Nationwide's Impulse Saver, which encourages customers to replace spontaneous purchases of expensive coffees into instant saving instead by tapping an icon on their smart phone.

This diverts the sum they would have spent to their savings account. Those signed up to the scheme since it started in 2014 have collectively squirrelled away more than £20 million with an average transaction of £30.

Other providers go one step further by automatically sweeping surplus money from a current account at the end of the month into a savings account.

For example, the Chip app connects to a customer's online banking account, analyses spending and calculates how much can be saved without having an impact on everyday spending. That sum is then automatically moved into their Chip savings account (held with Barclays) and it can be withdrawn at any time.

One per cent annual interest is paid but if a customer recommends the app to friends they get an extra one per cent per referral, up to a maximum of five per cent.

If users accidentally dip in to overdraft, Chip will repay bank charges plus a £10 bonus.

To engage younger savers, the app uses popular social media language such as emojis to communicate.

Another app, called Oinky, will launch in the spring and plans to let savers link it to their chosen bank account.

Founder Conrad Holmboe says: 'Every few days we will use an algorithm to determine how much a user can safely afford to save and automatically transfer such a sum into their savings account. We believe saving small amounts, adjusted to take account of your lifestyle, is the best way to help people save.'

HSBC Bank is trialling a similar SmartSave app, which includes an option to round up spending to the nearest pound, with the 'change' moving into an earmarked savings account.

The Folio app links a saver's debit card to a special Barclays account and allows them to set specific savings goals. Other apps, such as Squirrel, help users plan a savings strategy.

INVESTING CASE STUDY: I invest £100 a month - for the long term

EASY INVESTING

STEP 1: Before thinking about investing, it is vital to get a grip of any outstanding debts.

Clare Francis, savings and investments director at Barclays, says: 'Start off on the right foot. It is far better to pay off any expensive debts before investing. Once debt is under control then think about investing a little each month.'

STEP 2: Stocks and shares Isas allow you to invest up to £15,240 in the current tax year without paying tax on any of the proceeds.

Francis says: 'Tracker funds are the best option for those with small amounts to invest. They give you exposure to a specific stock market index, such as the FTSE 100, providing immediate diversification to help spread your investment risk. Both charges and the minimum investment levels are low.'

STEP 3: Beginner investors with limited cash and who lack confidence about where to put their money can find help online.

For example, so called 'robo-advisers' will allocate your cash across a range of investments based on your tolerance to investment risk.

Among the best value offerings is Moneyfarm, which has no minimum investment and no management charges on investments up to £10,000. Nutmeg and Wealthify are other options.

STEP 4: Investing on impulse using an app is a harder notion for millennials to accept.

Moneybox is among the first to try out the idea on British investors. Users of its app can pick how much they want to invest by direct debit each week into either a stocks and shares Isa or an investment account.

They can also have purchases made on plastic rounded up, with the excess allocated to the account. If a coffee costs £1.80 then 20 pence is swept into the investment account. The money goes into one of three portfolios - cautious, balanced or adventurous.

There is a monthly subscription fee of £1 and an annual account fee of 0.45 per cent. The fee is waived for the first three months and customers can withdraw their money free of charge at any time. Ben Stanway, co-founder of Moneybox, says: 'We're proud to have made it possible to open an Isa in a couple of minutes from your mobile phone and get started with just £1.'

PAIN-FREE PENSION

STEP 1: Retirement saving can seem a bridge too far for young savers, but with time on their side this is the best way to begin.

Karen Barrett, chief executive of adviser website Unbiased, says: 'For millennials, their greatest asset is their age. They should use it while they can to make them tens of thousands of pounds better off in retirement.'

The main drawback of a pension is that the money must be locked away until age 55.

There is generous tax relief on pension contributions, which helps build a pension pot.

For every £80 paid into a pension the taxman will add basic rate tax relief of £20.

Those in higher tax brackets can claim additional relief through their self-assessment form at the end of the tax year.

STEP 2: The Government's auto enrolment programme, started in late 2012, is expected to revolutionise saving.

The minimum combined contribution from the saver and employer is currently 2 per cent, rising to 5 per cent in April 2018 and then 8 per cent from April 2019. But youngsters who can afford to lock away more will achieve a more comfortable retirement.

Since employers must make contributions, anyone who chooses to opt out of a workplace pension scheme is effectively missing out on extra pay.

Jackie Leiper, pensions expert at insurance giant Scottish Widows, says: 'There is no denying the positive impact which auto-enrolment has had on young people's ability to save for retirement.

'But our research shows that this generation is now looking for support to help them put aside more of their earnings.

'Pension providers can help by offering millennials new and innovative ways to keep track of their pensions, whether through online portals or smartphone apps.'

This spring, Scottish Widows plans to roll out its app to members of workplace schemes it manages.

STEP 3: The self-employed, currently excluded from auto-enrolment, should consider setting up a personal pension.

A 'stakeholder' version is a good option because they carry low charges and allow contributions from as little as £20.

Savers can also stop and restart payments into the plan at any time without penalty. These pensions are offered by most big insurance companies.

STEP 4: Ideally, pension savers should seek help from an independent financial adviser on the best way to save for retirement, which means paying a fee.

But those on low budgets and who are happy to make their own decisions can find free generic help from online services such as The Pensions Advisory Service at pensionsadvisoryservice.org.uk, Citizens Advice at citizensadvice.org.uk and The Money Advice Service at moneyadviceservice.org.uk.

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Millennials who know the smart way to save

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Tech-savvy millennials can now pick from a plethora of apps for simpler saving Some are provided to existing customers of banks and building societies To engage younger savers, some apps use emojis to communicate Student debt, high rents and money-hungry social lives mean saving can be overlooked by millennials.

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The youth generation are one of the most lucrative consumer segments in the world. It is estimated that, in less than five years, Millennials will have $3.39 trillion in purchasing power and their successors, Generation Z are rapidly taking over as the largest consumer group worldwide.

With fickle interests, shorter attention spans, and multi-platform preferences, young consumers present a new set of challenges for marketers.

Influencer Marketing Hacks: How Engage Young Consumers

Much to the frustration of marketers, young consumers do not respond well to traditional communication and advertising tactics. Accustomed to instant information access and interactive social media, this is a generation that demands personalized messaging, peer reviewed content and transparent, authentic brands.
So what does this all mean? How can you stand out from the digital noise and still meet these demands in a cost-effective way?
Learn influencer marketing and digital strategy to inspire brand champions among Millennials and Generation Z.

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Millennial Employee Engagement Training and Workshop

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The youth generation are one of the most lucrative consumer segments in the world. It is estimated that, in less than five years, Millennials will have $3.39 trillion in purchasing power and their successors, Generation Z are rapidly taking over as the largest consumer group worldwide.

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MAKE A BUSINESS THAT GO INTO WORK AND TEACH PEOPLE HOW TO IMPROVE THEIR SELF ESTEEM

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team continue to tirelessly tour the UK’s schools, in their bid to equip young people with tools to navigate their mental health, manage the relationship with their bodies, and build self-esteem

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Self-Esteem Team | UK's leading mental health speakers for schools

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Self-Esteem Team | UK's leading mental health speakers for schools

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Mental health awareness for schools, UK wide. For primary schools, secondary schools, boarding schools, colleges & universities, and conferences too.

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Goal setting
- How to goal set
- Law of attraction
- Never giving up mentality
- Circle of influence

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millennial mindset masterclass leeds tickets

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Brand New Millennial Mindset Masterclass! - 1 day event all around personal development and mindset!What to expect? - Working out your why and vision- Goal setting- How to goal set- Law of attraction- Never giving up mentality- Circle of influence- How to think bigger- Getting mentors and guidance- Healthy routines in life for success- Motivation- Figuring out your strengths and weaknesses- How to use social media to change your outlook on life- Inspiration- Key note talk from guest speaker Who's it for?

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Harnessing the Talent of the Millennial Generation - non millennials

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Harnessing the Talent of the Millennial Generation - non millennials

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This session will:

Explore the myths and fact about younger workers

Explain the different ways you can employ younger workers, including internships,

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harnessing the talent of the millennial generation

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harnessing the talent of the millennial generation tickets

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harnessing the talent of the millennial generation birmingham

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harnessing the talent of the millennial generation birmingham tickets

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Harnessing the Talent of the Millennial Generation

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Millennials are making up a quarter of the UK population and they are predicted to hit the 17 million mark by 2019. Mainstream media accuses Millennials of being lazy, entitled narcissists, who aren't able to function without a smartphone.

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Book yourself on to workshop where a panel of inspirational speakers will give you top advice on successful side hustling, raising funds for your business ideas and growing your brand

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Want to start your new year feeling fab and motivated? Book yourself on to this vision board workshop where a panel of inspirational speakers will give you top advice on successful side hustling, raising funds for your business ideas and growing your brand while you map out what you want for your future. Hear from Vicky Simmons, founder of Mean Mail and Sarah Hilleary, founder of B-Tempted. Book in advance here.

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Millennial Mentors: Vision Board Workshop

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Want to start your new year feeling fab and motivated? Book yourself on to this vision board workshop where a panel of inspirational speakers will give you top advice on successful side hustling, raising funds for your business ideas and growing your brand while you map out what you want for your future.

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looking to connect with members of the Millennial generation, or provide them with personal development opportunities, we offer engaging workshops on the following topics

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We offer a number of workshops for groups in community or corporate settings and in schools. If you are looking to connect with members of the Millennial generation, or provide them with personal development opportunities, we offer engaging workshops on the following topics*: