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.

REPORTS

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

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

THE GENDER GAP IN FINANCIAL LITERACY

This third report based on a 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.

DETERMINANTS OF HOUSEHOLD SAVINGS: FINANCIAL EDUCATION TAKES CENTER STAGE

This study delves into the variables that drive families to save, while also exploring how the crisis resulting from the Covid-19 pandemic has affected the savings of Spanish households and how this experience may influence the future behavior of families.

THE RESILIENCE/VULNERABILITY OF SPANISH HOUSEHOLDS IN THE FACE OF COVID-19, DISPARITIES IN THE DISTRIBUTION AND COMPOSITION OF SAVINGS IN THE EUROPEAN CONTEXT

A groundbreaking study that places Spain in the group of countries with the most vulnerable households in terms of financial savings.

THE FINANCES OF SPANISH DIGITAL NATIVES AND MILLENNIALS

The fifth report from the Household 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

FINANCIAL KNOWLEDGE AND HABITS OF THE ELDERLY POPULATION IN SPAIN

The fourth report from the Household 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

THE GENDER GAP IN FINANCIAL LITERACY

This third report based on a study, generated by the Household 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.

DETERMINANTS OF HOUSEHOLD SAVINGS: FINANCIAL EDUCATION TAKES CENTER STAGE

THE RESILIENCE/VULNERABILITY OF SPANISH HOUSEHOLDS IN THE FACE OF COVID-19, DISPARITIES IN THE DISTRIBUTION AND COMPOSITION OF SAVINGS IN THE EUROPEAN CONTEXT

A groundbreaking study that places Spain in the group of countries with the most vulnerable households in terms of financial savings.

Publications

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).

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.

WHAT IS GDP? IS GROWING THE SAME AS PROSPERING?

The Gross Domestic Product (GDP) was proposed in the 1930s, during the Great Depression, by Simon Kuznets as a statistical indicator to reflect the production capacity of the United States at that time. In this article, Yolanda Durán, an affiliated researcher of the OAF, thoroughly explores what it is and its peculiarities.

DETERMINANTS OF THE BEHAVIOR OF THE SPANISH POPULATION REGARDING SAVING AND INVESTMENT

This report compiles information about current and/or potential investors and their attitudes and knowledge, data of great interest to financial institutions.

THE TRAINING OF ADVISORS IN THE FINANCIAL AND INSURANCE SECTOR: THE PATH TO FINANCIAL EDUCATION FOR THE CLIENT

The responsibility of entities begins with the proper training of their employees, as recognized by European regulations through MiFID II and IDD directives

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