Libertad24 - Comercio de valores

Fortune Greece has published Freedom24's analysis of how Greek household savings fared between 2021 and 2025. Drawing on data from the Bank of Greece, the Athens Stock Exchange and the OECD, the analysis shows that the traditional strategy of "deposit safety" has come at a high price. With inflation peaking at 9.65% in 2022 and deposit rates barely moving, the cumulative real return on deposits over the five-year period reached -17%. In practical terms, €10,000 left in a bank account in 2021 had the purchasing power of just €8,200 by 2025. Greece remains one of the most conservative savings economies in the Eurozone, with 60% of household assets held in bank accounts and cash, a legacy the analysis attributes to the "collective trauma" of the 2009-2018 crisis years. The distribution of these savings also reveals deep inequality: 71% of savers keep less than €1,000 in their accounts, while just 0.8% of depositors control around 44% of total bank deposits. Although household wealth surpassed one trillion euros in 2025, much of this capital remains idle. George Karageorgos, Director of Freedom24 Greece tied agent of FFEU, outlines the strategy to follow: "A fundamental principle for every private investor in a volatile market is to avoid impulsive reactions and to remain calm. The essential protection of a portfolio is based on diversification and long-term planning. A transition from passive savings to systematic asset management is required, with the aim of shielding purchasing power." As the analysis concludes, the shift from a ‘passive saving’ mindset to an ‘active investing’ approach is emerging as the most effective path for Greek families who wish to protect their money and ensure their long-term financial stability. 🔗 Read the full analysis on Fortune Greece