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Fewer than one‑third feel they fully understand and consciously manage their finances, and 41% say they mostly understand them but still have gaps; 8% feel completely lost.
Long‑term planning is especially weak: 36% would seek expert help with investments, 25% with retirement planning, and only 12% know how much they should save for old age. Despite these shortcomings, Hungary performs well regionally. Net financial savings reached 4.6% of GDP in 2025, and household net financial wealth rose to 117% of GDP.
High‑income households dominate government bond ownership; 63% of those with at least HUF 10 million in financial assets hold such securities, compared with 1% among hous eholds with under HUF 500,000.
“When it comes to savings, it is particularly important to think in terms of a diversified portfolio comprising multiple products, as this allows us to simultaneously reduce risk and increase the chances of achieving higher returns,” noted Norbert Vasas, head of savings products and services at CIB. He added that it is worth seeking expert help to put together a portfolio that best suits an individual’s needs.”
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