Overview
- Germany posts a household saving rate near 20% and an average of about €270 saved per person each month, a level above the EU average.
- Surveys find 30% of Germans view the savings book as ideal for saving, while only 8% favor stocks or ETFs.
- Austrian respondents report saving roughly €320 a month, with 38% now in equities, a ten‑point increase over ten years, though only 39% feel satisfied with their savings.
- Gender and income gaps persist in Germany, as lower earners and many women struggle to build buffers, with 37% of women saying they could keep their standard of living for just one month after a job loss versus 22% of men.
- The EU Commission says channeling more household cash into stocks and bonds could lift investment by over €1.2 trillion across ten years, prompting fresh pushes for financial education.