*mogoča je še menjava govorca
Economic growth in Slovenia is slowing, with forecasts for 2026 falling below 2%. Is growth now being driven primarily by domestic factors – consumption, wages, public investment and certain sectors? How serious are the risks stemming from both the global and domestic economy, including weak external demand, dependence on a small number of economies, persistent uncertainty, high energy and labour costs, low investment, labour shortages and declining competitiveness?
What are companies expecting, and what distinguishes more successful companies and sectors from those that are falling behind? Which types of companies and sectors continue to outperform, and which are increasingly lagging behind, even compared with the Slovenian average? What role do businesses expect the government to play?
What do the latest data tell us – and how do business leaders see the outlook?
Slovenians now hold EUR 30 billion in bank savings, most of it in sight deposits earning very low or no interest. When asked why, people often point to negative experiences with investing in Slovenia in the past. But those events took place some twenty years ago, and today even the average Slovenian has access to securities from around the world at very low cost. Past experience with the domestic market can therefore hardly be the main reason.
A more likely explanation is that Slovenians tend to rely on the state to provide for them, both today and after retirement. What many overlook, however, is that their purchasing power could decline significantly if they rely solely on the state pension. Similarly, the data suggest that Slovenians are generally underinsured, perhaps with the exception of car insurance.
My aim is to encourage people to think more carefully about their own financial future. For some, keeping money in a bank deposit will still be the optimal solution. For many others, however, accepting a somewhat higher level of risk opens up considerably better alternatives. These may include investment funds, including ETFs, individual securities, including through individual investment accounts (INR), supplementary voluntary pension insurance, or other forms of investment.
The automotive industry is one of the sectors undergoing the greatest disruption worldwide. Traditional car manufacturers and suppliers in particular are facing profound changes. Stagnating growth in many regions, the transformation of powertrain technologies, the global rise of Chinese manufacturers, geopolitical tensions and changing consumer behaviour are just some of the forces driving the transformation of the entire industry.
Where are the opportunities for growth, and what paths must manufacturers and suppliers take to remain successful in the long term? What options are available to Slovenian suppliers – both within the automotive industry and beyond it?
Govorec bo znan naknadno.