Table of Contents:
Italians’ savings: a current analysis
In recent years, the culture of savings in Italy has undergone significant changes, influenced by economic and social factors. According to the survey “Italians and savings: 1924-2024”, conducted by Acri and Ipsos, it emerges that the propensity to invest has decreased, from 36% in 2023 to 34% in 2024. This decline could be attributed to a climate of economic uncertainty that causes Italians to prefer liquidity over riskier
investments.
Italians’ investment choices
About two-thirds of Italians choose not to invest, feeling more secure with their liquid savings. Only a third of the interviewees decide to invest a small part of their funds. The survey revealed that caution is predominant, with a slight increase in risk appetite, from 7% to 9%. This change suggests a growing openness to bolder investments, but with a keen eye on the riskiness and social impact of
investments.
Comparing generations: savings and investments
Younger generations, such as Gen Z and Millennials, show a different vision of savings. While more mature people tend to save to face an uncertain future, young people are more oriented to invest in experiences and entertainment. 28% of Gen Z save for travel, while Millennials focus on similar goals. This difference in approach reflects a change in values and priorities, with young people declaring themselves aware of their distinctive needs and objectives compared to previous generations
.
The meaning of savings today
Today, savings are seen not only as a necessity, but also as an opportunity to achieve specific goals. 60% of Italians save money with planning, showing greater attention to long-term projects. However, for one in four Italians, saving still involves sacrifices, highlighting a tension between the desire to enjoy the present and the need to plan for the future. The research also revealed that 76% of families are able to face unexpected expenses, a sign of growing economic stability
.
