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    1. Saver to Investor Survey

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    Saver to investor

    Taking the pulse of Europe’s savers



    Turning savings into investments

    Households across Europe have accumulated hundreds of billions of euros of extra savings as repeated Covid-19 lockdowns have limited their opportunities to spend. The question now is whether this money will be spent as soon as the pandemic is over, or whether attitudes towards saving and investing have permanently shifted.

    To find out, we asked over 5,000 savers across 10 European countries to tell us how they feel about saving and investing. The results were split between men and women to allow for comparisons. What we discovered shines a light on some of the areas that will matter most if savers are to meet their financial goals in the post-Covid world.

    Financial independence requires a plan

    Today’s low interest rates mean that only investing offers the opportunity to meet long-term savings goals. Yet a third of women and a quarter of men have no investments. The biggest difference between investors and non-investors is that most investors have some kind of financial plan, while a significant proportion of non-investors have no plan whatsoever.

    Making a financial plan

     

     

    Why you should consider investing, and three reasons why it’s easier than you think

    Investors have better financial well-being

    Investing is more rewarding than saving, not just financially, but also in terms of overall self-worth. Investors are more likely to believe they will be better off in three years’ time than non-investors, and therefore tend to be more confident about their financial situation. Financial autonomy is linked to greater self-esteem, which in turn is a major contributor to overall well-being.

    Complexity is the biggest obstacle to investing

    Respondents believe investing is more challenging and requires a larger commitment than saving. There is a general fear of losing money and some concern about keeping track of how investments are performing. The perceived complexity, lack of transparency and lack of control need to be addressed to convert savers into investors and to convince current investors to increase their holdings.

    Three common investing pitfalls – and how to avoid them

    Post-Pandemic Investment Market Outlook

     

     

    Sustainable investing has a significant role to play

    Sustainable investing could provide a significant incentive to invest, for non-investors and investors alike. A quarter of respondents said that they would have more confidence in investing if they knew their investments were contributing to a more sustainable world. Almost three quarters of respondents overall believe sustainable investing is important.

    Invest in what matters to you with sustainable investing

    Social attitudes to investing are changing

    There is significant appetite among non-investors to move some of their savings into investments, while many current investors say they will invest more. Unlocking this future investment potential will require a number of key developments, including the provision of better financial education for first-time investors, help with long-term financial planning, and clearer communication around investment performance.

    Reasons to start investing

     

    Download the investor survey

    Get all the results from our Saver to Investor Survey and find out the latest thinking of savers and investors across 10 European countries.

    Read the report

    Saver to investor guide

    Invest in your clients’ tomorrow and help them take the first steps to long-term investment success with our tailored investing guide.

    Find out more

    This is a marketing communication and as such the views contained herein are not to be taken as advice or a recommendation to buy or sell any investment or interest thereto. Reliance upon information in this material is at the sole discretion of the reader. Any research in this document has been obtained and may have been acted upon by J.P. Morgan Asset Management for its own purpose. The results of such research are being made available as additional information and do not necessarily reflect the views of J.P. Morgan Asset Management. Any forecasts, figures, opinions, statements of financial market trends or investment techniques and strategies expressed are, unless otherwise stated, J.P. Morgan Asset Management’s own at the date of this document. They are considered to be reliable at the time of writing, may not necessarily be all inclusive and are not guaranteed as to accuracy. They may be subject to change without reference or notification to you. It should be noted that the value of investments and the income from them may fluctuate in accordance with market conditions and investors may not get back the full amount invested. Past performance and yield are not a reliable indicator of current and future results. There is no guarantee that any forecast made will come to pass. J.P. Morgan Asset Management is the brand name for the asset management business of JPMorgan Chase & Co. and its affiliates worldwide. To the extent permitted by applicable law, we may record telephone calls and monitor electronic communications to comply with our legal and regulatory obligations and internal policies. Personal data will be collected, stored and processed by J.P. Morgan Asset Management in accordance with our EMEA Privacy Policy www.jpmorgan.com/emea-privacy-policy. This communication is issued in Europe (excluding UK) by JPMorgan Asset Management (Europe) S.à r.l., 6 route de Trèves, L-2633 Senningerberg, Grand Duchy of Luxembourg, R.C.S. Luxembourg B27900, corporate capital EUR 10.000.000. This communication is issued in the UK by JPMorgan Asset Management (UK) Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England No. 01161446. Registered address: 25 Bank Street, Canary Wharf, London E14 5JP.

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