Friday’s drop-in: how many Europeans do really have access to investments?

Despite investing being an optional and personal choice, the share of people involved affects the overall financial health of society.

Taking statistics, it reveals:

Europeans save, but these savings rarely flow into high-growth investments.

🌟 Any guesses why?

These are the top-3 reasons:

🌟 Fragmented, indirect, and limited stock market.

On average, direct stock holdings account for just 6% of households’ financial assets in the euro area.

🌟 Growing scale-up funding gap.

Successful startups choose seeking funds abroad rather than through Europeans channels.

🌟 Tight regulation and limited bank credit.

Even in real estate, which previously attracted more participants, has become less accessible due to credit constraints and regulatory barriers.

The factors mentioned above create a so-called hidden wealth gap — when people with access to investments gain much more than those without.

More on the topic and the role of P2P lending in addressing it, read on our Linkedln post.