Europa economisește, dar investește mai puțin. Ce se întâmplă cu banii ținuți în depozite

European households are saving significantly, with a large portion of funds remaining in banks. In 2025, around €286 billion was deposited in eurozone banks, while net investments in funds reached €214 billion. The European Commission highlights that households hold approximately €10 trillion in bank deposits, contrasting with the estimated €750-800 billion annual investment gap in Europe until 2030. The Savings and Investments Union aims to connect household savings with corporate investment needs. Investment options have become more accessible, allowing gradual portfolio building with small amounts. XTB offers investment plans starting from €75, enabling fractional investments and automated contributions. However, risks remain, and investors should consider their financial goals and risk tolerance before making decisions.