The investment landscape in Italy
In 2024, the analysis conducted by Pictet Asset Management revealed that 47% of Italian investors focus on bonds, while 22% prefer to invest in real estate. These data highlight a certain caution on the part of investors, who tend to take refuge in assets considered safer, such as government bonds and the real estate market. However, the low propensity to invest in equities, which stands at only 9%, raises questions about the diversification of portfolios and the ability of investors
to face future economic challenges.
The young generation and investments
An interesting aspect that emerged from the research is the behavior of young savers. Although they are the most suitable for investing in stocks for a long-term time horizon, they show limited interest in financial instruments such as Accumulation Plans (PACs) and supplementary pension provision. This paradox could stem from a lack of knowledge and awareness about the investment opportunities available. It is crucial that young people are educated on how to manage their money and how to plan for their financial future
.
Savings objectives and sources of information
The research has also highlighted the motivations behind saving. 41% of the interviewees said they want to improve their financial skills to carry out their life projects, while 25% want to learn how to save. In addition, 60% of respondents emphasized the importance of saving to create a solid financial base and a protective cushion against unforeseen events. In this context, social media are confirmed as a privileged source of information, with Instagram emerging as the preferred channel for young people to seek investment advice
.
The future of financial literacy in Italy
With the increasing complexity of financial markets and economic uncertainties, it is crucial that Italians develop greater financial literacy. Institutions and organizations must work together to provide educational resources and tools that can help citizens make informed decisions about their investments. Only through a better understanding of financial dynamics will it be possible to face future challenges and build a stronger economic future.