Italian household wealth nears 6.5 trillion euros, with more room for stocks

Italian households' financial wealth is approaching 6,500 billion euros, with a notable increase in stock investments. Between 2024 and 2025, stock holdings grew by 16.4%, or 293 billion euros, and have surged by 113% over the past six years. This trend reflects a transformation in saving habits, with families prioritizing long-term objectives and seeking higher returns.

The Fabi analysis highlights that while liquidity remains a key component, its growth is slower compared to other financial instruments. Current accounts and deposits increased by 1.5% between 2024 and 2025, reaching 1,603.2 billion euros. Despite this modest growth, they still constitute over 24% of Italian households' total financial assets, second only to stocks, which represent 32%.

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it is the signal of a heritage that becomes progressively more articulated and diversified and in which the need to maintain immediately available resources coexists with that of valuing capital in the medium-long term.

Lando Maria Sileoni, secretary-general of Fabi, stated that this indicates a more complex and diversified asset portfolio. Families are balancing the need for readily available funds with the desire to grow their capital over the medium to long term. Other dynamic components of household wealth include government bonds and other debt instruments, which saw an increase of nearly 28 billion euros between 2024 and 2025. Mutual funds also grew by approximately 58 billion euros (6.9%), and insurance policies increased by about 46 billion euros (4.1%) in one year.

However, the Fabi notes that insurance and loans have seen a decline in absolute value over the last six years, decreasing by 0.97% and 24.46% respectively. The recent strengthening of insurance investments is seen as significant, as these instruments offer both investment opportunities and capital protection for the future.

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assumes a particular significance because it concerns instruments that, in addition to representing a form of investment, perform a function of capital protection and guarantee for the future.