Latvia’s Investment Landscape Matures: Revolut Data Reveals Shift to Automated Investing & Focus on Financial Discipline
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Latvian residents are increasingly embracing investment opportunities, with a notable surge in participation and a growing preference for automated solutions, according to new data released by financial technology company Revolut. Looking ahead to 2026, a key focus for Latvian citizens will be strengthening financial discipline and prioritizing long-term financial planning.
Increased Participation & a Young Investor Base
In 2025, Revolut observed a 17% increase in the number of users engaging with its investment services in Latvia. Notably, the average Latvian investor on the platform remained one of the youngest in Europe, with an average age of 35 and an average portfolio value exceeding €2,600. This suggests a growing trend of younger Latvians actively participating in the market.
Portfolio Diversification & Global Focus
Latvian client portfolios on Revolut demonstrated a strong inclination towards diversification and global markets. On average, portfolios were allocated as follows: 35% to US stocks, 11% to exchange-traded funds (ETFs), 3% to European stocks, and 3% to contracts for difference (CFDs). A significant 44% of holdings were allocated to money market funds, leveraging Revolut’s flexible money market fund service.
Tech & Defense Stocks Lead Trading Activity
Technology shares continued to dominate trading activity both in Latvia and across Europe. NVIDIA consistently ranked as the most frequently bought and sold US stock, reflecting ongoing enthusiasm for artificial intelligence. Among European equities, Rheinmetall emerged as the most actively traded stock, indicating a heightened investor focus on the defense sector. The Vanguard S&P 500 UCITS ETF remained the most popular ETF in Latvia, underscoring the appeal of broad, low-cost access to the US market.
The Rise of Automated & Regular Investments
2025 marked a significant shift towards more convenient and automated investing practices. Revolut’s introduction of commission-free ETF investment plans in January allowed customers to establish automatic, recurring investments – starting from just €1 – in over 300 EU-listed ETFs. These transactions are commission-free and do not impact monthly plan limits.
The average monthly investment volume through these periodic plans was €48. The Vanguard S&P 500 ETF accounted for 35% of all ETF transactions in 2025, followed by the iShares Dow Jones Global Titans 50 ETF with 7%.
Demand for fully automated solutions also surged, with both the number of clients utilizing Robo’s digital advice platform and the total balances invested through automated investing more than doubling in a year.
Growing Interest in Sophisticated Tools
For more experienced investors, Revolut introduced Contracts for Difference (CFDs) in 2025. Popular CFDs among Latvian residents included the Nasdaq 100, S&P 500, and gold, attracting traders seeking to hedge against inflation, capitalize on global technology returns, or navigate commodity market volatility.
Gender Investing Gap Persists, But Shifts
Data revealed a persistent disparity in investment amounts between men and women. In 2025, total investments by men in Latvia were nearly four times higher than those made by women, with average portfolio sizes of €3,200 for men and €1,500 for women. However, the number of female investors increased by 22% – exceeding the 15% increase observed among men – suggesting a narrowing of the gap.
Barriers to Entry & Outlook for 2026
A recent study commissioned by Revolut and conducted by research firm Dynata identified key obstacles to investment in Latvia. The most significant barrier was a lack of disposable income (33%), followed by a lack of investment knowledge (22%) and fear of losing money (20%).
Looking ahead to 2026, 32% of Latvian residents expressed anxiety and insecurity regarding their financial situation. However, 28% reported taking proactive steps, such as investing, saving, seeking employment, or enhancing their skills. When asked what would most improve their financial well-being, 37% cited greater self-discipline to avoid overspending and achieve financial goals. One in five respondents (20%) indicated that an easy-to-use financial app for tracking, saving, and investing would be most beneficial.
“Latvia’s investment landscape is clearly maturing – we see more and more people starting to invest earlier, establishing regular investment habits and using automated solutions to build wealth over time,” says Rolandas Juteika, Wealth and Trading head of department (EEZ). “At the same time, data shows that financial confidence and education will be critically important in 2026 and beyond. Helping clients overcome fear, build discipline and access the right tools will continue to be our top priority.”
