A new Assogestioni–Censis report reveals that caution remains a defining feature of Italian attitudes toward personal finance. According to the sixth edition of the study, 55.7% of Italians say they are interested in financial education and willing to devote time to improving their economic and financial skills. Meanwhile, 42.9% admit they lack either the time or the motivation to strengthen their understanding of savings and investment.

Disinterest varies across demographic groups: 38.6% among young adults, 40.4% among people aged 35–64, and 50.4% among those over 65. The proportion rises to 58.7% among people with lower educational levels, compared with 43.1% among high-school graduates and 37.3% among university-educated respondents.

The report also highlights widespread exposure to scams: 47.8% of Italians say they have received investment proposals—via social media or phone calls—that later proved fraudulent. Nearly 60% have come across enticing online ads for trading platforms.

Yet despite the varying degrees of financial knowledge, both those interested and those uninterested in financial education exhibit strong caution. Over 80% of both groups say they would be wary of unusually high deposit rates, of putting a large share of their savings into a single product, or of investing in booming companies whose finances they know little about. A similarly high percentage would be cautious about trading apps promising quick gains or about investing independently in cryptocurrencies.

Overall, the data show that even Italians who feel disengaged from financial learning still tend to adopt a prudent approach when confronted with investment offers.