New highs are expected
DZ Bank: German financial assets increased on record in 2025
The private households in Germany are rich than ever. This and next year, money is likely to reach new highs, DZ Bank estimates. However, several factors dampen the climb.
In total, Germans are rich than ever – and their financial assets should continue to increase: after a record 2024, DZ Bank expects new highs. This year, private financial assets are likely to wake up almost five percent to 9.9 trillion euros and in 2026 by a good four percent to 10.3 trillion euros, according to a new study.
However, the growth will weaken. Because the DZ Bank expects the savings rate of the Germans to fall. At the same time, they put more money in real estate again, which emerged from new business with construction loans. Both brake the construction of the financial assets. DZ Bank also expects the “extremely high share price profits from 2023 and 2024” not to repeat this and next year.
Already in 2024 record for money assets
As early as 2024, the private financial assets of German citizens had risen by 7.4 percent to 9.4 trillion euros – driven by a high savings and price gains on the stock exchanges. Because many people were unsettled from the Federal Government from the Federal Government of the SPD, the Greens and the FDP, of the United States’ economic crisis and customs duties, they put a lot of money on the side.
With the new federal government that has decided to reform for the economy and is planning billions of sums for infrastructure and defense, the uncertainty has weakened, according to DZ Bank. Most of the financial assets formation should still flow into deposits and cash again in 2025 and 2026.
Large gap in the assets
According to the Bundesbank, the huge financial assets in Germany are unevenly distributed. About half of the most wealthy is no longer necessary: around four million households. With these, the assets are also increasing because they invest more in stocks and funds than many 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. Both Bundesbank and DZ Bank take cash and bank deposits, securities such as stocks and funds as well as claims to insurance companies in their analyzes.
dpa
Source: Stern
