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sep. 29, 2025

Digital platforms and social media are reshaping how households enter financial markets. At the SHoF/CEPR Annual Conference on Household Sustainable Finance in º£½ÇÉçÇøÏÂÔØ, Michael Haliassos, Professor and Chair for Macroeconomics and Finance at Goethe University Frankfurt, discussed the opportunities and risks of this trend.

Key insights: 

• The growing role of social media, online platforms, and robo-advisors in encouraging stock market participation. 

• How lower entry barriers make investing easier but can also fuel herding, copy-trading, and overtrading. 

• Evidence that financial literacy and informed peer networks significantly boost long-term participation and retirement saving. 

• Why passive, diversified strategies often outperform frequent trading. 

• The importance of trusted financial advice, and the risks of relying on unregulated influencers or AI-generated guidance.