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Only 28% of German investors surveyed expressed a high level of trust in the financial services industry but more than half of eligible investors believe state-sponsored pension programs will pay out benefits as promised. Compared to other markets, investors in Germany are much less worried about an impending financial crisis within the next three years.

Although confidence and trust in the system is low, surprisingly, almost 70% of German investors believe that they have a fair opportunity to profit by investing in the capital markets.

German investors are almost split about which they value more, access to technology or people to manage their investments, but a majority would choose advice from people over robo-advisers. However, just over one-third of German investors said that they were willing to invest in a fund that used artificial intelligence for its selection process. In Germany, investors are open to technological innovation but not to provide investment advice yet.

When looking to hire a firm, German investors prefer a trusted brand slightly more than people they can count on. When changing investment professional or firm, investors’ top considerations surprisingly do not include performance but instead focus on the level of data security, fees, and communication in that order. Advisers would do well to provide more personalized products as about 60% of German investors surveyed want them, and a similar number would be willing to pay more for them.