Consumers have four basic needs that the financial system should provide: the ability to pay for goods and services, borrow money, save and insure against various risks. Finansinspektionen (FI) follows the development related to these needs, and we present our view of them in this report. Based on these needs, FI has identified four prioritised risks, which we also highlight in this report.
Garantum Fondkommission Aktiebolag (Garantum Fondkommission or the company) is a securities company with authorisation to conduct securities business pursuant to the Securities Market Act (2007:528). The company offers, among other services, investment advice relating to financial instruments.
Garantum Wealth Management PB AB (Garantum PB or the company) is an insurance intermediary that has authorisation to conduct insurance distribution pursuant to the Insurance Distribution Act (2018:1219).
Households that experience greater buying power tend to choose homes of a higher standard over amortisation payments or savings. This is evident in a new model that Finansinspektionen (FI) has developed.
The sentiment in the Swedish economy has improved in recent months even if households continue to demonstrate weaker sentiment than normal.