Insurance, more aware but cautious investors
According to Cnp Vita Assicura's 'Investitori 2024' Observatory, planning and consulting are the priorities
3' min read
3' min read
Italian investors are increasingly aware of their own financial expertise, autonomous in their portfolio choices and less worried about the future.
This is what emerges from the second edition of Cnp Vita Assicura's Investitori 2024 Observatory, the result of a survey commissioned from Bva Doxa and conducted through 2,400 interviews, which also highlights the central role of financial advisors: a solid point of reference for the management and construction of investment strategies for Italians, who are increasingly project-oriented. Despite the fact that 94% of private investors feel they are experts in financial matters, balancing decision-making autonomy and family confrontation, the role of the advisor is still fundamental: 81% make use of professionals' expertise in assessing time horizons and risk approach, offering support in identifying investment objectives.
"Among the priorities indicated by investors when choosing investments, several aspects emerge in line with the characteristics of the insurance sector," comments Paolo Fumo, sales director of Cnp Vita Assicura. 38% are looking for security of capital, a figure that is up on 2023, and 23% for yield stability. Facilitated taxation, seizability and impeachability, relevant for 8% of the sample compared to 5% last year, and again the possibility of designating a beneficiary even outside the heirs and exemption from inheritance taxes are all elements in line with insurance products".
In 2024, the percentage of investors who make their financial and insurance decisions independently is growing (54% compared to 52% in 2023), while for 46% it is also important to discuss them with other family members. Italians approach investment choices through a mix of autonomous research and professional advice, with 81% referring to an advisor. For difficulties in orientation and the need for advice on investment products, in particular, 69% of the sample agree that it is necessary to rely on an advisor, only 23% act autonomously.
According to the Observatory, concern about investments is decreasing: whereas in 2023, 66 per cent of investors said they were very and somewhat concerned about the performance of investments, in 2024 the percentage drops to 48 per cent, which is also confirmed by a lower concern about the role played by inflation and the cost of money in investment choices.
