European investors start making bold moves

The risk profile of Europeans began to change from conservative to aggressive by expanding the share of their funds in the stock market and alternative investments.

European household assets have grown by 51% over the past 10 years. By the end of H1 2023, they totaled €34.08 trillion. This is approximately €93k per citizen aged 18+ compared to €62k a decade earlier.

There have been some interesting changes in the structural view of the portfolio. Over the last 10 years, cash has smoothly moved from less risky instruments (Debt securities, Deposits, IPSG) to the most risky ones (Equities, FDESO, Other assets). The share of the former in the portfolio has decreased by 7.8% since 2013. While the categories of the “risky group” show steady growth. Over 10 years, Equities have risen from 26.9% to 33.4%, FDESO from 0.01% to 0.04% and Other assets from 2.9% to 3.4%. "This reflects the long-term sentiment of individuals for higher yields." - commented Robocash analysts.

The share of risk assets is dominated by households in several countries at once. Among them are Denmark, Sweden, the Netherlands and Belgium. "These states are, for the most part, the richest in Europe in terms of GDP per capita." - the experts add. “They also share high life expectancy and access to all global financial instruments and types of investments due to their developed economies

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