{"id":662343,"date":"2025-12-30T11:21:14","date_gmt":"2025-12-30T11:21:14","guid":{"rendered":"https:\/\/www.europesays.com\/uk\/662343\/"},"modified":"2025-12-30T11:21:14","modified_gmt":"2025-12-30T11:21:14","slug":"spain-begins-legislative-process-for-european-savings-and-investment-account","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/uk\/662343\/","title":{"rendered":"Spain Begins Legislative Process for European Savings and Investment Account"},"content":{"rendered":"<p><img decoding=\"async\" width=\"777\" height=\"400\" src=\"https:\/\/www.europesays.com\/uk\/wp-content\/uploads\/2025\/12\/stock-markets-777x400.jpg\" class=\"attachment-content-single size-content-single wp-post-image\" alt=\"Shorts and shares on credit, a problem of information\" loading=\"lazy\" title=\"Spain Begins Legislative Process for European Savings and Investment Account\"\/>stock market<\/p>\n<p class=\"entry-meta\">\nPosted By: <a class=\"fn\" href=\"https:\/\/thecorner.eu\/author\/thecornerteam\/\" target=\"_blank\" rel=\"noopener\">The Corner<\/a><br \/>\n30th December 2025\n<\/p>\n<p>With the aim of mobilizing the one trillion euros that Spaniards hold in deposits and savings accounts, the Government has opened a public consultation on the conditions for the <strong>European Savings and Investment Account<\/strong> in Spain and the <strong>\u201cFinance Europe\u201d<\/strong> label.<\/p>\n<p>The European Savings and Investment Account\u2014<strong>SIA<\/strong> (Savings and Investment Account)\u2014aims to channel \u201cidle\u201d European savings, roughly 13 trillion euros held by savers in their accounts, toward stock and bond markets to fund essential programs for Defense, Energy Transition, and more. To achieve this, the goal is to implement a European Savings and Investment Account\u2014defined by each individual country\u2014where shifting funds from deposits to bonds or stocks, or vice versa, is not fiscally penalized.<\/p>\n<p>The starting point is the <strong>Swedish ISK account<\/strong> model, which allows investing without being taxed on every transaction. Instead, a fixed annual tax is applied to the account\u2019s total assets, which is exempt below 150,000 crowns (approximately 14,000 euros). In Italy, <strong>PIRs<\/strong> (Individual Savings Plans) offer total exemption from capital gains, dividends, or interest if the investment is held for five years.<\/p>\n<p>The European Commission\u2014which has very limited powers in this area due to the lack of fiscal harmonization in Europe\u2014has asked each country to define its own savings and investment account, pointing out that without attractive tax incentives, it will be impossible to achieve the goal of mobilizing savings.<\/p>\n","protected":false},"excerpt":{"rendered":"stock market Posted By: The Corner 30th December 2025 With the aim of mobilizing the one trillion euros&hellip;\n","protected":false},"author":2,"featured_media":662344,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5312],"tags":[2000,299,104],"class_list":{"0":"post-662343","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-spain","8":"tag-eu","9":"tag-europe","10":"tag-spain"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@uk\/115808258161997243","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts\/662343","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/comments?post=662343"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts\/662343\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/media\/662344"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/media?parent=662343"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/categories?post=662343"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/tags?post=662343"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}