while a significant majority diligently save money, widespread anxiety persists regarding the adequacy of those savings.. Conducted by Yougov for the Postbank in September 2025, the poll indicates that 80% of Germans regularly set aside funds, yet a concerning 63% express doubts about whether they are saving enough.
This disconnect underscores the lingering economic impact of the inflationary period between 2021 and 2023. Ulrich Stephan, Chief Investment Strategist at Postbank, noted that the high savings rate, while demonstrating a heightened awareness of financial security, simultaneously highlights the anxieties generated by the substantial erosion of purchasing power experienced by households. The relentless rise in the cost of living has clearly outstripped the savings of many Germans, leading to a pervasive sense of financial vulnerability.
The survey data paints a stark picture of insufficient emergency preparedness. Only 24% of savers reportedly possess a financial buffer of three to six months’ income – a crucial safety net in times of economic uncertainty or unexpected hardship. Alarmingly, 14% are saving less than €500 annually and a quarter can only cover living expenses for a maximum of two months using their current savings.
Interestingly, a parallel trend is emerging: growing interest in capital markets. 34% of respondents now invest in stocks or funds, a figure potentially driven by the need to offset the devaluation of savings through inflation. The popularity of Exchange-Traded Funds (ETFs) has seen a marked increase, rising from 13% to 21% of investment portfolios. Stephan acknowledged the democratizing effect of ETFs, noting their ability to provide access to capital markets for even those with modest monthly investment sums.
The findings raise critical questions about the efficacy of current economic policies and their impact on the financial wellbeing of ordinary Germans. While encouraging saving habits are vital, the survey suggests that mere accumulation of funds is insufficient without addressing the underlying problem of persistent inflation and eroding purchasing power. The growing reliance on capital market investments also warrants scrutiny – while potentially beneficial, it introduces new risks and complexities for individuals who may lack the financial literacy required for successful participation. The government now faces pressure to implement measures that not only encourage saving but also safeguard the real value of those savings against the persistent threat of inflation.
