“Regardless of the investing method chosen, it’s clear that a comprehensive financial plan that encompasses all of your investment accounts can empower investors to make informed investment decisions aligned to their risk tolerance and goals, while avoiding potentially unsuitable or fraudulent investment opportunities.”
Younger, higher-risk investors
The study found hybrid investors tend to be younger, more often male, and more likely to hold a university degree compared with the general investor population. They also have a higher tolerance for risk: 84% reported being willing to take on moderate or significant levels of risk, compared to 46% of Canadian investors overall, according to a related 2024 CIRO investor survey.
Most hybrid investors said they intend to keep their dual approach. The CSA reported that 68% plan to remain hybrid investors, and 93% expressed strong confidence in their decision.
Advisor relationships more transactional
While many rely on advisors to provide structure, the research revealed important risks. Younger hybrid investors, especially those aged 18 to 34 who engage less with their advisors, were more likely to pursue speculative trades such as crypto assets and options. Those without a formal financial plan tended to trade more frequently and take on greater risks for the possibility of high returns.
At the same time, hybrid investors with higher risk tolerance demonstrated limited awareness of investment fraud. Fraud-prevention strategies, when mentioned, often relied on informal sources like online searches or community forums, rather than professional advice.
