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.
Policy & regulationReform agendas & prioritiesMarket development
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.
The European Commission has initiated a targeted consultation to gather stakeholder feedback on barriers to capital markets integration within the EU, as part of its Savings and Investments Union strategy. It addresses cross-border trading, investment fund scaling, supervisory practice divergences, and simplification options. Findings will inform…
The European Commission has initiated a call for evidence on the savings and investments union (SIU), seeking stakeholder input on the progress and challenges of the initiative. The SIU aims to enhance the Capital Markets Union and banking union by improving returns on EU citizens’ savings and expanding financing opportunities for businesses…