Most of my retirement savings Compared to what they’ve been up to. in particular, twenty three% This points to an increase of 3 percentage points compared to two years ago, when 20% of savings were earmarked for retirement.
Debate over the future of social security has been described as “pervasive” among some members of the public インヴェルコ天文台の所長。 Questions about the future size of a pension, the number of years of required contributions, or regulatory changes that may occur in the next few years lead some people to try to save that money for the long-term when they leave work. “This move is rational.”They say in Inverco that once we get past the stage where annual CPI exceeds 8%, as happened in 2022, “we’ve gone through a period where our main concern was saving money for the unexpected, but now we’re looking more towards retirement.”
Moreover, they are Spaniards of the generation. Those born between the end of the 50s and the beginning of the 70s are at the same time the people closest to the moment of retirement and the people who express the most concern about their pensions.貯蓄したすべての貯蓄のうち、 The moment you quit your job, you will have almost the same amount of money that you have saved to cover unexpected expenses in your daily life. For the rest of the younger generation, concerns about pensions have fallen to third place in the ‘ranking’ of needs for what to allocate savings to. This is because the main reason why Spaniards save is to have a surplus for unexpected situations, and secondly, to grow their money without any specific purpose.
Especially in deposits
The fact that a growing number of people are putting aside extra money for their retirement doesn’t mean they’re doing it through financial products such as pension plans. In fact, the assets that Spaniards use most for savings remain: Bank deposit, 87% According to the Inverco Observatory, the number of infected people is.後になって初めて、 pension system, The product, subscribed to by 50% of those surveyed, contains important nuances, but the personal contributions they make each year are small and often fall short of the financial and fiscal limit of 1,500 euros.今、さらに遠くにあるのは、 funds 投資、人口の40%が雇用。 of action insurance Savings (26%). Over the past four years, the weight of deposits has increased slightly, while the weight of pension plans has decreased.
Outlook over 3 years At 51%, this is an increase of 16 percentage points from six years ago, reflecting a growing trend toward financial planning and long-term investing that began in 2021. Additionally, 33% of people plan for five years or more.つまり、6 年前より 11 ポイント増加しています。
The main profile of savers in Spain is: conservativeas indicated by 57% of those surveyed. 「動的」なのはわずか 11% です。 That is, taking greater risks for better returns at the expense of taking risks in the short and medium term.
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