On average, 85% of those questioned say they suspicious regarding their ability to borrow, the return on their savings and the evolution of real estate prices. This is the trend according to the latest Odoxa-Groupama savings and investment barometer for Capital and BFM (based on a survey carried out on a sample of 996 people representative of the French population aged 18 and over). Their fears are, unsurprisingly, greatest about “the international political situation” for 93% of them, with just behind the economic situation of France (92%) and taxation (90%).
Moreover, a third of savers surveyed (33%) assure that the war in the Middle East has changed or will change their saving behaviors : 12% say they have already been encouraged to change their savings behavior because of the war and 21% assure that they will change them soon. But this change will be made by making even “safer or more prudent” investments (74% are considering it).
Worry increases
The growing concern can be seen above all in the figures. Since last November, the share of investors surveyed feeling “more confident” has been more than halved compared to its level in the first half of 2025. For six months, the “optimists” have oscillated between 15% (November 2025) and 18% (February 2026) with a current level at 16%, while they were between 32% and 37% throughout the first half of 2025.
So in one year, between April 2025 and April 2026, the share of “confident” people fell from 37% to 16%. “We are experiencing a deadlock: the international context accentuates the anxieties of saversalready very pessimistic for months about the return on their savings, analyzes Gaël Sliman, president of Odoxa. This context motivates them more than ever to change their savings behavior towards greater security by abandoning the traditional investments that they judged to be the safest”.
A need for reassurance
In such a context, a majority of savers interviewed say need advice : 53% of them think that it would be useful for them to be supported by savings professionals (wealth advisors). Above all, they think that in the future society and savings experts should use explanations to guide them. “The French are asking for more transparency and traceability on the use of invested funds,” comments Matthieu Silva Santos, director of supply and ISR at Goodvest. It’s very important to understand where their money is going”.
Thus, more than 7 out of 10 people surveyed recommend that this learning be done more in the future by schools but also by companies: 70% would like it to offer more courses to students on the notions of microeconomicsof investments and savings and 72% plan to put in place tools (training, webinars, conferences) on this subject for their employees. Finally, more than 80% would like banks and insurance companies to inform their customers more about their savings by providing them with more financial education. “More and more players are making this effort at transparency because there is a real need for education today in the financial world,” concludes Matthieu Silva Santos. Both on the composition of their allocation but also with regard to pricing, very often with price comparisons between different establishments”.
