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The Enterprise Europe Network informs:
30.09.2025
The European Commission has presented a comprehensive package of measures to strengthen citizens' financial literacy and facilitate investment. The aim is to advance the Savings and Investment Union and improve access to capital markets.
A central component is the new strategy for financial literacy, which is based on four pillars:
- Coordination & best practices: Sharing successful initiatives and targeted support for different target groups
- Communication & awareness-raising: EU-wide campaign to strengthen financial literacy
- Funding of educational initiatives: Use of existing EU funding instruments
- Monitoring & impact measurement: regular Eurobarometer surveys and national evaluation tools
The aim is to empower citizens at all stages of life to make informed financial decisions - for example when budgeting, saving or investing. According to Eurobarometer 2023, less than a fifth of the EU population has a high level of financial literacy.
The Commission is also proposing the introduction of savings and investment accounts (SIAs). These are intended to make it easier for small investors to access capital market products - with simple digital solutions, tax incentives and broad investment opportunities.
The savings and investment accounts (SIAs) offer
- simple and flexible use
- Investments in shares, bonds and funds
- Tax advantages and simplified procedures
- full control over investment decisions
By converting part of their savings into more productive investments, citizens can facilitate the financing of businesses, promote economic growth and employment and contribute to the EU's competitiveness agenda.
The Commission recommends that Member States introduce SIAs where they do not yet exist and further develop existing models. It will closely monitor the implementation of the strategy and the SIA recommendation - together with the Member States and relevant stakeholders - in order to give citizens more security in dealing with money, better access to investments and long-term financial success.
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Source: European Commission
