Seen worldwide, according to a study, there has never been as much financial assets as last year. However, the assets are still very unevenly distributed. According to the report, there was no progress on the subject.
According to the Allianz calculations, people around the world have as much financial assets than ever. At the end of last year, private households have given a total of 269 trillion euros gross their own, as the insurance group announced in its wealth study Global Wealth Report 2025.
In this way, the assets grew by 8.7 percent compared to 2023. The insurer takes cash, bank deposits, securities such as stocks and bonds as well as claims compared to insurance and pension funds, but not real estate.
Poorer countries no longer follow
As early as 2023, assets had grown significantly – by eight percent. For this year, the Allianz fathers expect an increase of around six percent. However, the analysts emphasize that inflation has artificially inflated the wealth. With 283 percent in relation to economic activity, private assets were only at the level of 2017.
In the case of inequality, the authors state sobering: the gap between poorer and richer countries has not been closed for a long time. Contrary to the previously long -standing trend, the approach has “come to a standstill, contrary to the previous long -term trend,” it says.
The top ten percent have 85 percent of the assets
The overwhelming majority of the total assets worldwide still have the wealthiest ten percent worldwide – a good 85 percent recently accounted for them. “Although inequality has been an important political issue for years, there was no progress towards greater equality,” says the report.
With a net money assets per capita of 86,800 euros, Germany was in 13th place in the 57 countries in late 2024 when it comes to assets. The United States as the frontrunner came to a net money of 311,000 euros, in front of Switzerland (268,860 euros) and Singapore (197,460 euros). The bottom of the ranking is Pakistan with a per capita assets of 630 euros.
Americans rely on stocks and Co.
There are big differences in the way the money is invested: American savers show a clear preference for securities when making new savings. They recently made up 67 percent of the new savings compared to only 26 percent in Western Europe, according to Allianz.
The American investors have recently driven well with the securities: While money assets in North America have increased an average of 6.2 percent per year in the past ten years, Western Europe has reached an average growth rate of only 3.8 percent. However, the savings efforts in Europe are higher, more money is covered.
Private households were analyzed in 57 countries. According to the information, these countries are for 91 percent of global economic output and 72 percent of the world’s population.
With information by Alina Leimbach, ARD finance editor
