The savings rate among Spanish citizens has increased in recent years. However, it's well known that keeping money in the bank without investing it is losing money, because the interest rates on current accounts in Spain are among the lowest in Europe, below the inflation rate. If you have money and don't invest it, its real value decreases over time. Furthermore, the real estate sector is the preferred investment for citizens when they have savings, which ultimately also contributes to rising housing prices. For this reason, the Spanish government is preparing a new financial product, already launched in other European countries: a savings and investment account, bearing the Finance Europe label. Currently, the Ministry of Economy, headed by Carlos Cuerpo, has launched a public consultation on this product. It would be an account where citizens could deposit a portion of their savings and, similar to investment funds, allocate the money to various products such as stocks, bonds, investment funds, and others. The objective is twofold: to ensure savers obtain a higher return on their money, and to ensure these funds are used to finance European businesses and economies.