Poles would prefer to invest in real estate, gold and bank deposits

37% of Poles, if they had 100 thousand PLN of savings would most likely decide to invest in real estate, and 9% in gold coins or bars - according to a representative *research conducted by the ARC Rynek i Opinia studio, commissioned by the Mennica Skarbowa. The respondents are also interested in bank deposits, savings accounts and State Treasury bonds. Gold as an investment subject, it is most popular in three groups: people with higher education, inhabitants of towns with 20-49 thousand inhabitants. people and among men in general.

Real estate as number 1

In Poland, there is a clearly noticeable trend of increasing wealth by purchasing real estate. 37% of respondents, thinking about a long-term investment lasting 10-15 years, declare that they would like to invest PLN 100 in real estate, i.e. land, house or apartment. Deposits and savings accounts and investments in gold coins and bars each received 9% of the list. 6% of respondents would prefer to purchase State Treasury bonds. What attracts attention is the number of undecided people, which amounts to as much as 22%. Analyzing this group of respondents, it can be seen that it is more difficult for women to choose a potential investment than for men. The largest group of undecided people has primary or basic vocational education. The variable of undecided people decreases with the increasing level of education.

– We are observing a downturn in the purchase of gold on the European market, in Poland the decline is 40% year on year. Europeans - and also Poles - on the one hand, bought a lot of products made of this precious metal during the pandemic and at the beginning of the war in Ukraine, and on the other hand, as a result of high inflation, bank savings products with better interest rates than a few years ago turned out to be an interesting solution. Of course, we will probably continue to observe Poles' interest in real estate investments for a long time. There has been widespread recognition of this type of capital investment for a long time. The purchase of apartments in particular is popular and perceived by society as the most advantageous option in the long run. However, the popularity of gold has been growing among our compatriots for several years.  Gold is no longer a product for a select few with a high entry threshold. Currently, you can start investing in gold with just a few hundred zlotys and build your capital on an ongoing basis. Poles are also increasingly willing to buy gold or silver coins or bars as a special occasion gift - admits Jarosław Żołędowski, President of the Treasury Mint.

Gold, as a long-term investment, is most popular in three groups of respondents: people with higher education, inhabitants of towns with 20-49 thousand inhabitants. inhabitants and among men. If we look at the interest in a 10-15-year investment in gold from the perspective of Polish regions, we will see that this investment option is least often considered by residents of the northern region of the country (3%), and most often considered by people living in the southwestern part of the country (13%).

*The research carried out by ARC Rynek i Opinia was conducted on a representative group of Polish women and men numbering 1011 people.

Author The Treasury Mint