Having savings isn't the same as knowing what you have
An ING/Ipsos survey finds 6 in 10 Spaniards with savings don't invest, and 43% cite a lack of knowledge. Without recommending anything, we suggest a question that comes first: how much you have, where, and in which currency.
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A survey commissioned by ING Research from Ipsos, run across 11 European countries between 27 July and 7 August 2026, paints a clear picture of Spain: 3 in 4 households have savings, yet 6 in 10 keep them out of financial markets. Among Spanish non-investors, 56% cite not wanting to take risks and 43% say they lack the knowledge to start.
It's an easy headline to spin, so let's be careful.
What we won't tell you
We won't tell you what to do with your money — that's not what FinBoard is for — and staying out of markets is a perfectly legitimate choice. Not wanting risk isn't a mistake; it's a preference.
The number that made us think
What interests us is the 43%. "I don't know enough" can mean "I don't understand the products", "I don't know my options" — or, more often than you'd think, "I'm not sure what I have right now". That last gap is the least discussed, and it grows when money is spread across two banks, an old fund and a crypto app.
Three questions before any decision
- How much do I have available today, across all my accounts?
- How much might I need in the coming months? (No app knows that — you do.)
- What do I already have invested, even small or forgotten amounts?
With those answers in front of you, any conversation about risk — whatever you conclude — starts from facts rather than guesswork. That's where a dashboard like FinBoard fits: not nudging you toward a choice, just putting every piece on one screen with the same date. What you do next is up to you.
