Proposed Topic:
SAVINGS AND INVESTMENT BEHAVIOUR OF GENERATION Y IN MALAYSIA
Generations
Born
Current Ages
Gen Z
1997 – 2012
11 – 26
Millennials (Gen Y)
1981 – 1996
27 – 42
Gen X
1965 – 1980
43 – 58
Boomers II (a/k/a Generation Jones)*
1955 – 1964
59 – 68
Boomers I*
1946 – 1954
69 – 77
Post War
1928 – 1945
78 – 95
WWII
1922 – 1927
96 – 10
https://www.beresfordresearch.com/age-range-by-generation/
Research Background
The focus on studying Generation Y is significant as this group of the population will soon dominate the
consumer market as the X generations are aging. With the X generation getting closer to retirement and
their population getting smaller, their children the Generation Y are poised to take over as the largest
group for policy makers and marketers to focus on. However, these generation groups have different
characteristic compared to their parents and policy makers as well as marketers are required to change
their strategies to accommodate this generation.
Generation Y are viewed “as a generation with very high buying power” as they have annual incomes
totaling XXXX
Malaysian Population 2020 or 2021 (EPU Statistics)
Find article/ fact from 2-3 journal / findings on Gen Y lifestyle/ investment/ money savings
Problem Statement
The main purpose of this study is to get to know more about Malaysian Generation Y and to fill the
knowledge gap on their spending, saving and investment behaviours.
1.3 Research Questions
In order to attain the above-mentioned purposes of this study, the following research questions will be
answer:
Question 1: What are the preferred channels of communication of Malaysian Generation Y ? Do they
prefer to obtain information on saving and investment through Bank representative or through online
resources?
Question 2: Are Malaysian Generation Y saving habits is influence by information that they received
from the media?
Question 3: Do female Malaysian Generation Y spend more than male generation Y?
Question 4: Do Malaysian Generation Y usually spent out of their budget?
Question 5: What is the average saving rate of Malaysian Generation Y?
Question 6: What are the preferred methods of saving by Malaysian Generation Y ?
Question 7: Have Malaysian Generation Y started saving for their retirement?
Question 8: What are the preferred type of investment of Malaysian Generation Y (Islamic/
Conventional)?
Question 9: Do Malaysian Generation Y have a diversify investment portfolio?
Question 10: Do Malaysian Generation Y invest their money in risky market?
Research Objectives
General Objective
The objective for this research is to explore the demographic of Malaysia’s Generation Y , specifically in
investigating their saving and investment habits.
Specific Objective
This study attempts to accomplish six main objectives as follows:
1. To identify the income and spending patterns of Generation Y.
2. To determine the level of saving and the forms of saving performed by Generation Y.
3. To study the method and type of investments (if any, such as equities, real estate, unit trusts and
others, Islamic/ Conventional ) practiced by Generation Y.
4. To assess the awareness of risk management in investment of Generation Y.
5. To determine the effective channels of communication with Generation Y.
6. To make recommendation for appropriate selling/marketing channel of investment linked products
target Generation Y, based on the preferred channel selected from the survey.