How much money do Albanians "pour" into investment funds? - AFSA: About 17% more members in 2024. Government bonds, the most preferred
In the past year, more people have chosen to invest their money in treasury bills and bonds through investment funds. The latest data from the Financial Supervisory Authority shows that investment funds had over 37 thousand members in 2024, about 17% more than in 2023.
This shows that Albanians are diversifying the ways they invest their money. However, despite the growth, investments in government securities continue to remain at very low levels compared to traditional forms of investing money in deposits or real estate.
Statistics from the Financial Supervisory Authority show that the net value of market assets reached around 61.36 billion lek or 625 million euros, with an increase of 11,075 million lek or 22%, compared to 2023.
Funds can invest their members' money in stocks, government securities, treasury bills and government bonds, domestic or foreign corporate bonds, cash and other assets. In 2024, investments in this market were mainly dominated by investments in government securities, namely treasury bills and bonds, which account for 79.24%, while 6.2% are investments in international financial markets. From this we understand that the majority of investors are focused on funds that take on a low risk, namely those that invest mainly in Albanian state bonds and bonds and less in funds that invest in stocks abroad.
At the end of last year, a total of 18 investment funds operated in Albania, which were managed by only 6 companies. Compared to 2023, 3 new funds have been added. Most of these funds are managed by insurance companies and commercial banks, with the latter holding more than one type of fund.
Citizens who do not have sufficient knowledge of how to individually invest in treasury bills and bonds or do not want to be directly involved in this process usually turn to investment funds, which invest their clients' money in government securities and guarantee a secure return on investment.
In investment funds, citizens can invest a small amount of money, which they gradually increase. The investment can be periodic or immediate and can be withdrawn at any time.
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