On March 19, 2025, the European Commission announced a groundbreaking strategy to redirect up to €10 trillion of citizens' savings into strategic investments.

This initiative aims to boost economic growth, enhance financial opportunities for EU citizens, and support the bloc's strategic objectives.

Current Savings Landscape

Currently, about 70% of household savings in the EU are held as bank deposits 1. While these deposits are safe and easily accessible, they typically offer lower returns compared to investments in capital markets. The Commission's new plan seeks to address this by providing citizens with broader investment options and improved financial literacy.

Strategic Objectives

The savings and investments union strategy is designed to support the EU's goals related to competitiveness, security, and digital and green transitions. By channeling savings into productive investments, the plan aims to foster citizens' wealth and boost the EU economy.

Benefits for Citizens

EU citizens will have better opportunities to invest in capital markets, with easy, simple, and low-cost access to a wide variety of investment options. This can help individuals build their household wealth and save more effectively for the future.

Impact on the Economy

More investments in capital markets will enable EU companies to grow and thrive, creating better jobs with higher salaries for workers. This strategy also aims to enhance the integration and competitiveness of the EU banking sector, including through the deepening of the banking union.

Collaborative Efforts

Achieving the savings and investments union will require collaboration among EU institutions, member countries, and key stakeholders. The strategy will be further developed, with measures taken in specific areas to boost competitiveness in the EU economy, focusing first on the most impactful actions in 2025.

Future Outlook

The Commission's plan is expected to unlock the EU's potential to achieve its strategic goals. By developing an integrated banking system and capital markets, the savings and investments union can bridge the gap between savings and investment needs.

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