2015-05-08 13:13
There is a growing interest of Polish funds investment. Today less than 20 percent. a parent investment funds, but another 9 percent. covenant to buy them – according to a study commissioned by Deutsche Bank. To the growing popularity of TFI contributes to getting lower interest rates on deposits and increasing knowledge about the various methods of investing.
Today, units of investment funds has 2.1 million Poles.
– The growth rate of the database is large and will be even greater, because we have a favorable environment for investing in mutual funds – says the news agency Newseria Business Monika Szlosek, director of retail and investment banking at Deutsche Bank. – We have historically lowest interest rates, falling for two years, and thus – falling interest rates on deposits and savings accounts. This is a motivator for Poles to seek alternatives to bank deposits.
From the study of the Deutsche Bank shows that investing in mutual funds are mainly interested in well-paid people. Among those who earn less than 3 thousand per month. zł, the unit has a share of about 11 percent. For earning more than 3 thousand. zł average is already 46 percent. Among the Poles with earnings in the range of 4-4,9 thousand. zł savings in funds holding more than half of the respondents (almost 52 per cent.).
– Among the Poles still lingering belief that in order to invest in mutual funds, you need to have large sums. Meanwhile, it is not true. Depending on the minimum amount of funds that can be up to 50, 100 or 150 zł. On your first deposit sometimes it’s bigger amount. Once again, we need to dispel the myths associated with investing in mutual funds – says Szlosek.
Before investing in funds prevents mainly Poles fear of failure. More than 38 percent. of respondents are afraid of losing capital, a similar group estimates that lacks free funds to invest. They see it as a product that requires extensive knowledge of the market – 37 percent said yes. respondents. According to Monica Szlosek is the belief that affects the small popularity of this method of investing.
Leszek Niemycki, vice president of Deutsche Bank points out that it is precisely for this reason next offer very So it is important also education.
– The basis of our offer is the knowledge and ability to adjust the risk level and the level of investment for financial and client specifics. In this we see our role, to customers in a safe and reasonable manner, in a manner suited to their own expectations and the possibility of slowly got acquainted and expanded their knowledge about the investment fund market and the capital market – says Leszek Niemycki.
Research shows that Poles have a moderate risk appetite. As an individualistic society we are much wiser in investments from collectivist societies that make up the people of Asia. We also have a bad historical experience and do not trust the institutions.
– Only the young generation who have already entered the labor market, earn, they survived the crisis of 2008 and know what means taking risky decisions, including financial – notes prof . Assoc. Margaret Bombol of the Department of Consumer Behaviour Management Institute School of Economics. – Investment Concerns relate primarily to individuals aged 50-60 years. This is due that are called. Consumers with fairly traditional conservative approach to their behavior, including financial. The younger the consumer, the more cosmopolitan, open-minded, better informed, and therefore, the level of risk aversion in them may decrease.
More than half of respondents who know the funds believes that investing in not entrusted their money to professionals.
Deutsche Bank cooperates with 18 investment funds that invest both domestically and abroad. As a result, clients’ money is also allocated to financial instruments beyond the Polish borders, allowing you to better diversify their investments.
– We can also actively participate in the growth of large, well-known companies from Europe or even further, the United States and Asia . For those markets where at least recently were the biggest increases in the value indices – says Leszek Niemycki.
Read more in Money.pl
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