After attending the Fair in Milan Saving report on my impressions:
It 'was reinforced once again, if there was a need, the importance of financial education and pension insurance.
But it was also stated that it "targhettizzata" according to users who receive such education, so young students, Adult, elderly etc.., certainly with regard to the contents and terms used, but also in the language used that too often does not help the understanding between intermediaries and investors.
Have been explained suffrage arguments of the thesis set forth above such as longevity risk, the risk of divorces and separations, the risk linked to longevity-term care (that aims to fight with the savings period, pension, the integration of multiple insurance products and choice between capital and income).
For the purposes of understanding between the parties to the commitment made by the operators was to listen more to offer the customer savings and investment tools in line with the real needs of each of them.
I heard some operator financial structures operating in both the U.S. and Italy, argue that the American investor knows more than the Italian, and when I challenged that statement reporting data on American families involved in the subprime, strong in the private debt, and the recent call of President Obama to the financial industry in dealings with investors was told that Americans are "more used and more time for us Italians to have financial relationships" What did he mean?
How well I have heard some great players in funds to support the transparency of these tools, I wondered if these in the near future to increase its transparency is not necessary to return to the list of subscribers purchased securities from the funds in various sectors, I was told that there are ETFs and that in any way that may, soon, you can get.
Equity funds still showed, transparency in addition to four other good reasons to invest their savings: autonomy, control, diversification and stability.
Finally some good news, given that some research, at the fair, Italian people show a, even savers, even in these years of crisis, but even richer than other people if you add up income (arising from work and / or retirement), savings and assets.