Italian families are among the most solid in Europe. This is confirmed by a study byItalian Banking Association (HELP), based on data just published by European Central Bank (ECB): in 2024, the net worth of Eurozone families has reached quota 70.200 billion €, with a growth of,,it,also improves the index of,,it,affordability,,en,elaborated by the Abi study office,,it,which summarizes the analysis of the different factors,,it,disposable income,,it,house prices,,it,interest rate trend on mortgages,,it,that influence the possibility for families to buy a house by borrowing and describing its progress,,it,The index has increased for the fifth consecutive year,,it,thus signaling a greater possibility for families to buy a home,,it 4,4% over the previous year. And Italy places itself in third place, behind only Germany and France.
HELP: “More diversified portfolios and more informed investments”
Cautious Italians, but rich
According to ABI, Italian families have a very balanced relationship between wealth and income: their assets are worth on average eight times disposable income, more than the European average. But what is most striking is the low level of debt: only l’8,4% of the assets is tied to debts, against an EU average of 11.3%.
In other words, the Italians are rich, but not in debt. A figure that reflects a financial culture based on prudence and stability.
Home, business and liquidity: where Italians invest
The assets of Italian families are largely composed of properties (about 44%), but not only that. A significant portion is invested in productive activities, such as small businesses and unlisted shareholdings (beyond 20%, against 14% than the EU average). And also the liquidità it is higher than the European average: a sign that Italians prefer to always have a ready reserve.
Financial investments: more government bonds and funds
On the financial front, Italian families show a certain diversificazione:
- They invest more than average in market instruments (actions, obbligazioni, etc..)
- They hold a significant share of government bonds (2,5%, five times the EU average)
- They actively participate in mutual funds
This data tells an interesting story: Italians not only save, ma they invest wisely, trying to protect and grow their assets.
Italian families: a model of financial solidity and intelligence
The ABI study, based on ECB data, paints a clear portrait: Italian families stand out for one thing wealth built with patience, prudence and concreteness. Less indebted than the European average, strongly linked to real estate and business, but increasingly open to conscious financial investments, the Italians show a evolved savings culture, capable of adapting to economic changes without sacrificing security.
In a Europe facing complex economic and social challenges, the Italian model — made of stability, diversification and focus on the long term — could prove to be a valuable resource. Not just for families, but for the entire economic system.
Alex Gaetani
Source: ABI Press release
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