The European Commission has adopted a new “savings and investments union” strategy aimed at redirecting EU household savings into productive investments by increasing citizens’ participation in capital markets through broader investment options and improved financial literacy. The Commission notes that around 70% of EU household savings, about EUR 10 trillion, are held as bank deposits that typically yield less than capital-market investments. The strategy envisages easier, simpler and low-cost access to a wider range of investment opportunities, while supporting more capital-market funding for EU companies to expand and invest. It also targets stronger integration and competitiveness of the EU banking sector, including by deepening the banking union. Implementation is expected to involve EU institutions, Member States and stakeholders, with further development of the strategy and measures in specific areas, starting with the most impactful actions in 2025.
European Commission 2025-03-19
European Commission adopts Savings and Investments Union strategy to channel household savings into productive investment
The European Commission has launched a "savings and investments union" strategy to channel EU household savings into productive investments by enhancing capital market participation and financial literacy. The strategy aims to provide easier access to diverse investment options and bolster capital-market funding for EU companies. It also seeks to strengthen the integration and competitiveness of the EU banking sector, involving EU institutions, Member States, and stakeholders.