The Central Bank of Ireland published consumer research and analysis on retail investment, finding that Ireland has among the lowest levels in the European Union of direct retail participation in capital markets via listed equities, debt securities and investment funds. Irish households tend instead to hold wealth and savings in property, life assurance and pensions, with the Bank warning this may mean households are not getting the full benefit that investment options could provide for future financial needs. Participation in capital markets is heavily concentrated among wealthier households, and retail investors are more likely to be highly educated, employed, higher income, male, aged 35 to 54, and based in the greater Dublin area. The analysis links investment decisions to a mix of practical and aspirational goals, while identifying barriers including perceived lack of financial resources, fear and lack of trust, limited knowledge and understanding, and insufficient support and advice. The report points to measures to address these barriers, including product options and financial education, and notes that around 10% of people report owning crypto-assets, predominantly young males, typically in small amounts (EUR 2,266 on average) and often for reasons other than providing for their financial future (56% citing curiosity).
Central Bank of Ireland 2025-12-01
Central Bank of Ireland publishes consumer research highlighting low retail participation in capital markets
The Central Bank of Ireland's research reveals low direct retail participation in capital markets among Irish households, who prefer property, life assurance, and pensions. Investment is concentrated among wealthier, educated, and employed individuals, primarily in Dublin. Barriers include lack of resources, trust, and knowledge, with recommendations for financial education and product options to enhance participation.