CreditCards.com conducted a poll with a sample size of 1,004 US adults on their shopping behavior and found out that almost 32 million people have begun shopping for their holidays in advance. This is a whopping 11%. The number says that 2% have already completed their shopping. The poll reveals that senior aged 65 and above have already begun their shopping, and it constitutes 7% of the poll sample. Moreover, a quarter of the sample size said that they will complete the shopping by November end. Shoppers started their shopping early to save money. According to the CEO of Financial Psychology Corp, Kathleen Gurney, people who shop at the last minute are unable to enjoy the benefits of comparison.

Findings on early shoppers reveal online shoppers have a head start with 18% of the samples already begun piling their online carts. While 14% prefer in-store shopping. Statistics has it that holiday shoppers will spend $886 billion this year on holiday shopping. It is also revealed that 80% of the shoppers are yet to start their shopping. Those who have already invested in holiday shopping are heading towards a relaxed holiday season. These early birds save time and money in the long run.

The polls also provide data on who are the early shoppers. It says that whites are likely to shop early than non-whites. Parents are proactive when it comes to shopping when compared to non-parents, and the ratio is put at 20:11 on the percentage scale. Retailers start their advertising campaign earlier. Most of the promotional offers are over by Thanksgiving says a study by Centro Inc. Early holiday shoppers are happy with a fewer crowd and low stress. Enjoy the shopping leisure is one of the benefits of early birds. This is one of the reasons seniors prefer early shopping, and they have presents ready then their young ones.

The earning potential of the youngsters is low as the student debt and a number of young new homeowners rising by the day. This has given rise to a perplexing statistics. Today’s men are largely living with their parents. Investment is turning out to be difficult especially when there is no job and struggling to make both ends meet. This is where micro-investing comes into play. To start with put around $1 to $5 a day to get into the habit of building investment. Now the Wall Street is getting involved. Bats Global Markets chief executive Chris Concannon sent a note on low-cost exchange traded funds and their performance.

It may be noted that ETF assets are swelling and has touched the $2.7 trillion mark year ending 2015. An annual growth of 17% is expected annually by 2019, reveals Blackrock, a leading player in the ETF market. Now Concannon also vouches for the ETF assets to touch the $15 trillion mark in a decades’ time. This could mean a lot of money. Concannon explains the source of the money. He says that it is coming from new investors. This is the bracket that financial markets were not able to penetrate. Millennials in the age group of 20-35 years are the highest in the US history with roughly 92 million. These are first generation investors in the ETF market. Bloomberg has it that 40% of US Millennials are owners of ETFs.

The financial services market should take all the initiatives to tap this potential offering competent investment products that are simplified. This could help create an hold on the wealth of the wealth of Americans. A solution was devised by Madison Lucas, working for Acorns. She devised a smartphone app. Millennials playing Candy Crush could make an investment of $0.99 each time they played it. Investment is a habit, and we need to cultivate it.