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Italian investors are becoming more aware of their financial skills, are able to make autonomous choices related to their portfolios and are less worried about the future.
This is the result of the second edition of the Investor Observatory for 2024, based on 2,400 interviews conducted by Bva Doxa and commissioned by Cnp Vita Assicura, which also highlights the central role of financial advisors: providing management with a reliable reference point The investment strategy of Italians is increasingly focused on planning. Although 94% of private investors consider themselves experts in financial matters, balancing decision-making autonomy and family comparison, the role of advisors remains essential: 81% of private investors use the skills of professionals to assess time horizons and risk approaches, providing support in determining investment goals.
“Among the priorities indicated by investors when choosing an investment, several aspects are in line with the characteristics of the insurance sector – comments Paolo Fumo, commercial director of Cnp Vita Assicura. 38% seek capital security, an increase from 2023, and 23% seek stability of returns. Tax convenience, non-seizure and non-seizureability (related to 8% of the sample compared to 5% last year), the possibility of designating beneficiaries even outside the heirs and exemption from inheritance tax are elements that qualify an insurance product “.
By 2024, the percentage of investors making financial and insurance decisions independently will rise (54% compared to 52% in 2023), while for 46% it is important to discuss these decisions with other family members. Italians make their investment choices through a combination of independent research and professional advice, with 81% consulting an advisor. Due to the difficulty of positioning and the need for advice on investment products, in particular 69% of the sample consider it necessary to rely on an advisor, with only 23% acting independently.
According to the Observatory, concerns about investments are decreasing: if by 2023 66% of investors say they are very or somewhat worried about their performance, by 2024 this proportion will fall to 48%, which also confirms a decrease in concerns about the impact of inflation and the cost of funds for investment options.
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