Money parked on checking accounts? But even no. Among the Italians the desire to invest returns, but in first place neither shares nor bonds nor bricks

Money parked on checking accounts? But even no. Among the Italians the desire to invest returns, but in first place neither shares nor bonds nor bricks
Money parked on checking accounts? But even no. Among the Italians the desire to invest returns, but in first place neither shares nor bonds nor bricks

Mattress? no thanks: 3 out of 4 Italians oriented to invest a share of savings“. This is what emerges from the Reale Mutua Observatory on welfare, also noting that “40% of Italians fear they will not be able to choose the most suitable investment, above all because of their insufficient financial skills”.

After more than a year of pandemic and prudence, the future seems to return to the center of the economic objectives of the Italians – reads the research report on Italians and savings, a very current topic with the restart from the pandemic and at the gates of the Salone del Risparmio during this week (15-17 September, in Milan).

“If 27% – reads the report – a slice, however, anything but small – think that keeping liquidity on the current account is the safest and most appropriate solution, three out of four (73%) they think instead that, in this phase, investing a part of the savings is the best way to give greater solidity to their future. More specifically, the priority investment objective of the Italians is to make the future of the family safer (31%), as well as increasing the standard of living in the medium to long term (27%), while 17% aim to strengthen a pension that they fear will be insufficient. But what are the savings instruments they look at? “.

The analysis shows that “the picture is not stingy with surprises: only 6% indicate the brick, historically considered the safe haven. The same goes for bonds (11%) which, given their lowest rates, have long since lost the role they traditionally played for generations of savers. Even less does direct investment in equities transmit security (8%) ”.

Brick, stocks and bonds don’t pull. What does the choice fall on?

“The Italians, on the other hand, seem more oriented towards insurance solutions (37%) such as life policies and savings plans and supplementary pension funds (11%). That there is a climate of greater confidence is also proved by the growing propensity to access mortgages and loans for purchases of particular importance: 44% of Italians in fact say they are inclined to this solution. The watchword, however, remains that of safety and prudence (46%), thanks to the experience of the pandemic. Also because almost one in two (40%) does not feel ready to invest lightly, fearing that he will not be able to choose the right investment mainly due to his insufficient financial skills. But if the future enters the savings horizon, innovation does it in the channels: as many as one in two Italians (48%) would like to increasingly use digital payments instead of cash, and there are even those who – an additional 26 % – would like digital to become the only way for all occasions when one has to do with money, including relationships with the bank or insurance.

“Our research shows a growing awareness of the importance of investing in the economic solidity of one’s future” – he comments Michele Quaglia, Group Sales and Brand Director – With this in mind, many feel the need for quality information to manage savings: the Observatory notes that as many as 62% of the interviewees also frequently turn to the web, from which, however, they often do not obtain the information and reassurance sought. A very important role is then played by the advice of professionals. We at Reale Mutua together with our Agents support people in identifying the most suitable insurance solutions to manage their resources according to their different needs, from life policies to protect the stability of assets in the face of serious events, to those for savings and the investment up to social security protection “.

* CAWI survey conducted by the Nextplora research institute on a representative sample of the Italian population by age, gender and geographical area.

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