The lack of appetite of the French for risk is found in the reasons which lead them to set aside, according to an Ifop study carried out for Altaprofits. They are 72% to save to face an unexpected, everyday (55%) or an exceptional situation (34%). Less than half of them do so for a life project, whether long-term (30%), such as buying real estate, or short-term (19%), such as a trip. Almost as many (42%) save simply to dissociate their savings from their current account.
When the risk is not a project
The inhabitants of Hauts-de-France and the Bretons are the most marked by this double trend: respectively 56% and 52% of them save for an unforeseen event, but only 16% and 15% do so for a project. It is in these same regions that we find the lowest appetite for risk (77% and 74% of these inhabitants prefer a risk-free product even with a low return). Brittany is in second place on the podium for the number of holders of regulated booklets (87%), just behind Pays de la Loire (88%).
Ile-de-France residents and inhabitants of Pays de la Loire, on the other hand, are the most numerous (37%) to place on a life insurance or capitalization contract. Those in Centre-Val de Loire and Pays de la Loire are the most interested in having a PEA (17%). Finally, to find followers of the PER, you have to go to the Grand Est region or always to the Centre-Val de Loire (13% in the two territories).
Recent events have, according to Altaprofits, not changed behavior. “The succession of large-scale economic events likely to have a direct impact on French savings (very early post-COVID economic recovery followed by a drop in purchasing power linked to the sudden rise in inflation, armed conflict in Europe) have so far had no impact on the picture of French savings: more than 8 out of 10 French people continue to have at least one savings product (84%), nearly 6 out of 10 even hold several (56%).”
Three quarters of respondents invest money at least once every six months, 42% every month. Paradoxically, the inhabitants of the Grand Est region are the least likely to have at least one savings product, even though it is also in this area that people have the most savings product (97%).
French people skeptical about the best bulwark against inflation
Real estate is still considered the best bulwark against inflation (45%), ahead of life insurance (26%), gold (19%) or the stock market (9%). Third place on this podium actually goes to abstention: 24% of respondents believe that none of these investments will save them from inflation.
Sustainable finance is not popular
The French are divided on the interest of investing sustainably, but those who are insensitive to it (41%) are slightly ahead of those concerned (38%). “It is in the regions that we find the greatest sensitivity to the themes of sustainable finance within the framework of a financial investment with 45% for the inhabitants of the Pays de la Loire, 43% for those of the Grand Est; on the other hand, the inhabitants of Normandy have the lowest regional sensitivity (29 %)”reports Altaprofits.
* Methodology: survey carried out by IFOP from April 19 to 27, 2022, with a sample of 2,405 people, representative of the French population aged 18 and over, and constituted according to the quota method. The interviews were conducted by self-administered online questionnaire.