Bulgarians allocate a significant portion of their savings to deposits, with 73% of their assets held in this form. In contrast, citizens across the European Union invest 36% of their assets in financial markets. Bulgarians are more conservative in their investment choices, with only 5% of their assets directed toward financial markets, while 20% are invested in pension and insurance products. This is in comparison to the EU , where 31% of savings are in deposits and 27% are invested in pension