Table of Contents:
The role of emotions in investments
When it comes to investments, it is essential to remain lucid and not to be overwhelmed by emotions. This is a particularly relevant concept for young savers, who often find themselves managing their savings in a context of economic uncertainty. According to a recent report by Assogestioni and Censis, 56.9% of young people constantly monitor the trend of their investments, risking making hasty and ill-considered decisions.
The pressure of global events, such as conflicts and economic crises, significantly affects investment choices, leading to impulsive behavior
.
The need for an appropriate financial culture
Another crucial aspect is the lack of a solid financial culture. 48.6% of young people do not understand the impact of the interest rate on loans, while 40.8% have no idea what supplementary pension is. These data highlight the urgency of targeted financial education, which can provide young people with the necessary skills to navigate the complex world of investments. Saverio Perissinotto, Chairman of Assogestioni’s Financial Education Committee, stresses the importance of starting to invest as soon as possible, especially in a pension environment
that promises to be less generous.
Financial advice as a support tool
The report also highlights the growing demand for financial advice among young people. As many as 41.7% of respondents expect support to invest in products with good returns, while 40.5% seek help to minimize risks. This shows that young people are aware of the need for expert guidance to make informed decisions. Tailor-made advice can not only help to optimize investments, but also to build a more positive approach to the financial future
.
Strategies for successful investing
To deal with the financial market effectively, young savers should adopt some key strategies. First, it is essential to diversify the portfolio, avoiding concentrating investments in a single area. In addition, it is important to maintain a long-term vision, resisting the temptation to react impulsively to market events. Finally, investing in training and continuous information can provide the necessary tools to make more informed decisions and reduce the impact of emotions.
