The very low rate environment in the euro zone is a challenge for longer term savings. This deliberate monetary policy is here to stay according to the ECB at least until the economy recovers in full. Savers and their advisers have progressively understood that solutions successful in the past decades are no longer relevant. New product like eurocroissance, absolute return funds and reallocation to real assets, stocks and real estate need now to be considered. Nevertheless savers are reluctant to change their habits and invest in new vehicles, in particular because their weak financial literacy.