Bulgarians are afraid of basic investments, but enthusiastic about cryptocurrencies

Saturday, Aug 29, 2026

Mediapool

Bulgarian financial culture shows a paradox: low traditional investment uptake but high crypto adoption.

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[This is an automatically generated summary, for reference only]

A 2023 European Commission survey reveals a paradox in Bulgarian financial culture: Bulgarians lag significantly behind other Europeans in established investments like stocks, bonds, and life insurance, yet they lead in the EU for investments in crypto assets. This suggests Bulgarians are polarized, either avoiding low-risk, established investments or embracing high-risk ventures like crypto. Experts suggest the core issue is a lack of long-term financial planning, not just saving ability. While financial influencers offer accessible content, there is a high risk of misinformation, necessitating reliance on authoritative sources like the Ministry of Finance portal and the Financial Supervision Commission. Globally, there are ongoing efforts to improve financial literacy, with specific attention paid to closing the investment gap between men and women, driven by factors like women’s longer lifespans and the need for financial independence. Regulatory bodies are increasingly engaging with financial influencers to ensure compliance.

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