Italy has historically been a country of savers.
The tendency to set money aside, even during difficult economic periods, is a deeply rooted habit in the way Italian families manage their finances.
However, a significant portion of these accumulated savings remains inactive. Keeping money idle in current accounts or in forms of immediately accessible liquidity may seem like a safe and prudent choice, but over time it leads to a silent erosion of capital.
Inflation, for example, constantly erodes purchasing power: with a 5% inflation rate, €10,000 left idle in a current account loses about €500 in real value over one year. Additionally, interest rates on current accounts are generally too low to offset rising prices, exposing capital to a gradual loss of value.
Why don’t Italians invest?
Despite a strong tradition of saving, Italians’ participation in investments remains relatively low compared to other European countries.
How do we explain this phenomenon?
In Italy, there remains a widespread cultural distrust of more complex financial instruments. The world of finance and investments is often perceived as challenging, opaque, and difficult to understand.
The wide variety of available instruments, combined with the complexity of the rules and mechanisms that lead to potential returns, can create confusion and disorientation for the average saver, who thus tends to favor simpler and more immediately accessible solutions.
Psychological and emotional factors, such as the fear of potential financial losses and anxiety related to market volatility, also contribute to reinforcing this “
Italians feel more secure adopting a short-term perspective in managing their capital, focusing on immediate financial goals that ensure security and liquidity in the present, at the expense of long-term strategies.
Confirming this attitude, it should be noted that only a limited portion of savers show interest in
The result is that many Italians, despite having capital—often substantial—do not invest it, prioritizing stability and liquidity over long-term capital protection, wealth growth, and supplementary pension planning.
How to invert the trend? The role of the financial advisor
To significantly change Italians’ attitude toward investments, it is essential to promote greater financial awareness, allowing them to overcome the fears and uncertainties that normally hinder the conscious use of savings.
A more informed approach to the world of finance not only supports personal economic growth by protecting and increasing wealth, but can also turn savings into genuine collective wealth, capable of generating value for the entire community and supporting the country’s economic development.
In this context, the role of the financial advisor becomes essential.
As professional and certified financial advisors, we at
With the right guidance, your savings can turn into a living capital, capable of generating value today and in your future.
Every future investor has their own needs, doubts, and goals.
For this reason, it is necessary to carefully assess the profile of each individual client, taking into account risk tolerance, current financial situation, and long-term objectives.
Only after clearly defining these components can we build a balanced and diversified portfolio capable of generating growth over time, protecting capital during periods of volatility, and ensuring a secure yet dynamic management of invested resources.
You will never be alone on this journey.
Our approach is based on humanity, professionalism, and trust—fundamental elements to help Italian savers face and overcome their natural distrust of the world of finance and investments.
We will face every step together, with the confidence of having certified and experienced professionals by your side—constantly monitoring your investments and adjusting the strategy to market developments and your personal needs.
In moments of greater uncertainty or volatility, we will support you in maintaining calm and determination, helping you stay true to your long-term goals and build a solid, informed financial path oriented toward the lasting growth of your wealth.
Want to learn more? Contact us today and finally bring your savings to life, turning them into active tools to build your financial future!