Regulatory Alerts2026-05-01
Many Households Are Missing Out on Opportunities for Higher Returns: Savings Can Be Better Utilized
Issued by the Dutch Authority for the Financial Markets (AFM), this report identifies that approximately 800,000 Dutch households possess sufficient liquid wealth to invest but currently do not, largely due to knowledge gaps, perceived risks, or lack of interest. The analysis demonstrates that for many of these households, particularly those with inadequate first- and second-pillar pension savings, allocating surplus funds to diversified investments could significantly improve long-term financial stability without requiring lifestyle adjustments. To address these barriers, the AFM advocates for targeted measures to simplify investment access and promote sustainable wealth accumulation while maintaining robust investor protection standards.
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