Despite growing up during financial turmoil caused by the tech bubble and the Great Recession, many young investors retain an aggressive financial outlook, according to a new Spectrem Group study.

Spectrem Group said it has developed five classifications of young investor personalities:

The most affluent persona, which Spectrem calls “No Worries,” are described as “lucky, satisfied and demanding” with an average net worth of about $3.4 million. Representing 19 percent of the millennials studied, their investment approach is moderate to aggressive.

The next most affluent persona, the “Climbers,” has an average net worth of $3.3 million and represents 23 percent of the investors surveyed. Spectrem describes them as self-confident, moderate to very aggressive investors who are likely to hold high-profile, higher-paying jobs.

Representing 19 percent of the surveyed millennials, “Family Matters’ investors are primarily young families worried about attaining financial security. They have an average net worth at $442,000.

The “Worrier” persona has an average net worth of $289,000 and represents 18 percent of the survey participants—the smallest category. Worriers have little money saved to deal with the multiple personal problems they face.

The least wealthy persona, the “On My Own” investors, represent 21 percent of wealthy millennials. With an average net worth of $245,000, they are hard working and feel a strong sense of responsibility to others. Spectrem describes them as moderate to aggressive investors.

Spectrem, a Lake Forest, Ill.-based market analysis firm, researched 12,000 investors with more than $100,000 of net worth as part of this study.