Investing is a proven path to wealth building, especially for young adults who can maximize long-term wealth through early investing. However, millions of people living on low to moderate incomes (LMI) do not participate in the investment marketplace—including LMI college students who may also be grappling with student debt, a lack of awareness of investment options, limited exposure, and other systemic barriers to investing despite showing interest.

In a new area of research, Commonwealth explores the opportunities and challenges faced by college students with LMI embarking on their investment journeys—particularly Black and Latinx college students and recent graduates. This infographic highlights several key findings, including barriers that prevent students from investing and who is more likely to be impacted. It also offers areas of opportunity where industry leaders can address these challenges to help college students build long-term wealth. 

This project is made possible thanks to the generous support of the Wells Fargo Foundation.