"The French save as if they were 60"

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The French and their woolen stockings, it is a long history marked especially by a big aversion to the risk. Three quarters of them prefer not to win anything at all than to take the risk of losing money when they invest. This is revealed by a study by Axa Investment Managers (IM), published this Tuesday, November 20, on the behavior of the French in savings and investment. This caution would be noticeable at the age of 30, according to the survey (*).

"The cautiousness of the French in terms of investment hinders the achievement of their ambitious objectives in the long term. Moreover, their typical portfolio evolves little over the years, "explains the lAxa Group Asset Management subsidiary, which adds: " Pat the age of 30, the French invest as if they had 60. "

<p class = "canvas-atom-canvas-text Mb (1.0em) Mb (0) – sm Mt (0.8em) – sm" type = "text" content = "A very large majority, regardless of the generation , chooses very low risk savings products. The preferred investments of the French remain the current account (for 94% of those surveyed), which shows no interest and is similar to bundles under the mattress, the savings account (79%), including the A booklet (whose earnings are at historic lows, 0.75%), and the ELP (at a rate of 1%), followed by life insurance in euro funds (36%), with an average yield of 1.80%. "data-reactid =" 14 "> A vast majority, regardless of the generation, chooses very low risk savings products. The preferred investments of the French remain the current account (for 94% of those surveyed), which shows no interest and is similar to bundles under the mattress, the savings account (79%), including the A booklet (whose earnings are at historic lows, 0.75%), and the ELP (at a rate of 1%), followed by life insurance in euro funds (36%), with an average yield of 1.80%.

Conversely, securities held directly as shares (9%), life insurance in units of account (6%) or bitcoin and other crypto-currencies (3% all the same), all perceived as investments too risky, are neglected.

Axa IM favorite savings products from the French

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Savings: the French more and more solidarity
Savings: Customers open their arms to robots
Green saving and responsible: the French interested but still little invested
Nearly half of young people save to own