As saving, we characterize the portion of disposable income, which we choose not to consume today, but to keep it for the future.

People need to save money for their security; to deal with various unexpected events that may occur in the future and to be able to take advantage of potential investment and other opportunities, especially over times of crisis.

Our income, our goals, the duration of savings, the level of interest rates and inflation, the economic and political stability and behavioral factors such as self-control, discipline, responsibility and respect for ourselves and our children, are some of the factors that affect the level of our savings, both at microeconomic and macroeconomic level.

The “excellent” level of savings ranges between 10-15% of our income, according to the financial planning theorists.

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