AT THE FOREFRONT OF KNOWLEDGE
Households
ADVANCING RESEARCH TO CONTRIBUTE TO SOCIETY
Households are a fundamental building block of the economy, and the foundation on which our society is built. To empower them financially is to equip them with the knowledge and skills they need for the financial management of their lives, lives in which virtually every decision has a financial impact. Understanding how people make decisions about saving (consumption), investing, borrowing, risk management, etc., and what their financial knowledge and skills are, is critical to designing strategies aimed at promoting appropriate financial behaviour in households.
THE FINANCES OF SPANISH DIGITAL NATIVES AND MILLENNIALS
The fifth report from the Family Savings Observatory explores the financial reality of digital natives and millennials, addressing the economic challenges both generations face upon entering the labor market. The study examines the level of financial literacy among the young adult population in Spain and explores the barriers in financial knowledge, practices, and attitudes that influence their savings and investment decisions
SUSTAINABLE INVESTMENT FOR ADDITIONAL PROFITABILITY
In this article, Marta Olba and Laura Núñez Letamendia delve into investment alternatives in a period of low-interest rates. One of the most profitable alternatives for investors is investing with ESG criteria (Environmental, Social, and Governance).
FINANCIAL KNOWLEDGE AND HABITS OF THE ELDERLY POPULATION IN SPAIN
The fourth report from the Family Savings Observatory analyzes the habits, and perception of financial well-being among older adults in Spain, in order to better address the challenge posed by enjoying one of the longest life expectancies in the world. The Spanish population aged 55 to 64 is the most affected by financial stress, contrasting with the greater financial well-being of the retired population
SUSTAINABLE INVESTMENT FOR ADDITIONAL PROFITABILITY
The financial crisis of 2008 highlighted the impact that the evolution of the real estate sector can have on financial stability. Subsequent developments seem to indicate that, in the near future, the risk of a financial crisis induced by this sector is indeed low.
SAVINGS ALTERNATIVES TO START PREPARING OUR FINANCIAL PEACE IN RETIREMENT
The poor health of the public pension system and the long-life expectancy compel us to plan our savings as soon as possible to ensure a retirement that allows us to maintain a good quality of life. This article explores options such as Personal Pension Plans (PPP), Guaranteed Pension Plans (GPP) and Unit Linked plans.
THE GENDER GAP IN FINANCIAL LITERACY
This third study, generated by the Family Savings Observatory, analyzes the difference in terms of financial education between women and men. According to the study, we conclude that less than half of the surveyed women (49%) answered the financial competence questions correctly, compared to 63% of men who did.