Finances: Bundesbank: German money wealth is hardly increasing anymore

In total, Germans are rich than ever, but in the end their financial assets hardly grew. At the end of the first quarter, according to the Bundesbank, it added up to 9,053 billion euros – a minimal increase of 9 billion measured in the previous quarter. After deducting the debts, net money assets of 6,913 billion euros remain, here too only a small plus of 5 billion euros.

According to the Bundesbank, more than a third of the gross money (37 percent) is in cash and visibility, which savers can quickly access if necessary. Households with a lower budget in particular prefer such systems from caution. In addition to the increase in views, fixed deposits were no longer so lucrative due to the interest rate of the European Central Bank. Many people therefore reverse fixed deposits into short -term liquid deposits such as overnight money. The Bundesbank also sees “increased economic uncertainty” as the reason for this.

Shy about stocks costs return

Almost 20 percent of the financial assets are also in stock, almost 13 percent are shares in investment funds and a good 28 percent claims from insurance and pensions. Savers in Germany traditionally shy away from shares, and the past strong stock market years brought high price gains. According to the Bundesbank, there were 29 billion euros in the first quarter.

According to the Bundesbank, the German financial assets of the Germans had increased significantly to a maximum value, according to the Bundesbank. DZ Bank expects the financial assets 2025 and 2026 to grow less – also because the high stock profits should not be repeated.

The record of financial assets is overwhelming that inflation consumes it: Although the inflation in the range of two percent has normalized, bank deposits often drop less. According to the Bundesbank, the return after deduction of inflation over all households was less than one percent.

While the ten rich percent benefited from price gains in shares, the less succeeded half of their financial assets keep their financial assets almost completely in the low -risk bank deposits and insurance claims. Real estate, a significant part of their assets for many households, does not take into account the Bundesbank.

Large gap in assets

According to the Bundesbank, the huge financial assets are unevenly distributed. About half of the wealthiest is no longer necessary: around four million households. There, the assets are increasing more strongly because on average they invest more in stocks and funds than poorer households. According to the Bundesbank, there are around 20 million households at the lower end of the scale, which only eight percent of the financial assets are on.