When Everyone Buys the Same ETFs

Saving money is sold as the safest move. Save early. Invest monthly.

Buy ETFs. Never sell. For Gen Z, this advice is everywhere — and questioning

it feels irresponsible. But what if the risk isn’t investing… it’s everyone doing the same thing?

Trillions now flow into the same ETFs every month, no matter the price. These funds don’t

think — they just buy. Rising prices create belief, belief attracts

more money, and risk quietly disappears from view. Gen Z is perfect

capital for this system: early, consistent, and taught never to sell.

So ask the real question — when Gen Z buys every month, who is selling?