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German version – To see the PDF, please click on the image below.
German Version – To view the PDF, please click on the image below.

Saving behavior of private households – PDF download

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Satisfaction with your own investments in Germany – year-on-year comparison – Image: Xpert.Digital

This statistic shows the results of a survey on the satisfaction of German investors with the returns on their investments. According to the survey, which is representative of the resident population in Germany, around 57 percent of the investors surveyed were satisfied with the performance of their investments at the end of 2020, compared to only around 41 percent at the end of the previous year.

"Were you rather satisfied with the performance of your investments this year?" - This question was only asked people who have invested money. A total of 1,001 people were interviewed for the survey. Older values ​​were sometimes taken from the previous year's publications.

Overall, were you satisfied or not satisfied with the performance of your investments this year?

Unsatisfied

• End of 2012 – 48%
• End of 2013 – 58%
• End of 2014 – 66%
• End of 2015 – 47%
• End of 2016 – 52%
• End of 2018 – 62%
• End of 2019 – 59%
• End of 2020 – 43%

Satisfied

• End of 2012 – 52%
• End of 2013 – 42%
• End of 2014 – 33%
• End of 2015 – 53%
• End of 2016 – 47%
• End of 2018 – 38%
• End of 2019 – 41%
• End of 2020 – 57%

Savings rates of private households in countries around the world – Image: Xpert.Digital

Saving rates of private households in selected countries around the world from 1995 to 2019 (as a percentage of disposable income)

This statistic shows the savings rates of private households in selected countries worldwide in the period from 1995 to 2019. The net saving of private households is shown as a percentage of disposable income. In 2019, the savings rate of private households in Italy was around 2.7 percent.

Global gross financial assets of private households – Image: Xpert.Digital

In 2018, the global gross financial assets of private households amounted to around 172.5 trillion euros. That is around 0.1 percent less than in the previous year. This means that global private wealth has shrunk for the first time since the 2008 financial crisis - albeit only minimally. So far, private financial assets have always increased during the period under review.

Global gross financial assets of private households from 2008 to 2018 (in trillion euros)

• 2008 – 95 trillion euros
• 2009 – 101.70 trillion euros
• 2010 – 109.30 trillion euros
• 2011 – 113.30 trillion euros
• 2012 – 122.50 trillion euros
• 2013 – 134.20 trillion euros
• 2014 – 144.80 trillion euros
• 2015 – 151.70 trillion euros
• 2016 – 161.90 trillion euros
• 2017 – 172.70 trillion euros
• 2018 – 172.50 trillion euros

Survey to assess the financial situation of the population in Germany – Image: Xpert.Digital

Germans' satisfaction with their finances is declining slightly - according to the 2020 wealth barometer from the German Savings Banks and Giro Association, around 42 percent of Germans rate their current financial situation as very good to good. Last year it was 43 percent. Overall, however, the proportion of people who are satisfied with their financial situation has more than doubled in the past 15 years.

Survey to assess the financial situation of the population until 2020
How do you assess your own current financial situation?

Very good good

• 2005 – 20 %
• 2006 – 22 %
• 2007 – 26 %
• 2008 – 25 %
• 2009 – 27 %
• 2010 – 31 %
• 2011 – 29 %
• 2012 – 35 %
• 2013 – 34 %
• 2014 – 36 %
• 2015 – 34 %
• 2016 – 31 %
• 2017 – 37 %
• 2018 – 41 %
• 2019 – 43 %
• 2020 – 42 %

Rather bad/bad

• 2005 – 33 %
• 2006 – 33 %
• 2007 – 26 %
• 2008 – 27 %
• 2009 – 24 %
• 2010 – 21 %
• 2011 – 25 %
• 2012 – 20 %
• 2013 – 25 %
• 2014 – 20 %
• 2015 – 20 %
• 2016 – 17 %
• 2017 – 20 %
• 2018 – 18 %
• 2019 – 18 %
• 2020 – 18 %

Survey in Germany on the most popular forms of investments – Image: Xpert.Digital

In 2020 there were around 39.55 million people in the German -speaking population aged 14 and over, who had a savings book in the household. This question was asked in the following wording in the survey: “Which of the following investment options do you have in the household? You can tick several. "

Number of owners of the most popular forms of investment in Germany from 2017 to 2020 (in millions)

property

• 2017 – 16.75 million
• 2018 – 16.59 million
• 2019 – 16.53 million
• 2020 – 16.16 million

Passbook

• 2017 – 43.32 million
• 2018 – 40.21 million
• 2019 – 38.96 million
• 2020 – 39.55 million

Capital-forming benefits (VWL)*

• 2019 – 14.08 million
• 2020 – 14.74 million

Current account

• 2017 – 12.69 million
• 2018 – 12.67 million
• 2019 – 13.21 million
• 2020 – 13.62 million

Fixed-term deposits

• 2017 – 14.51 million
• 2018 – 13.33 million
• 2019 – 12.98 million
• 2020 – 12.62 million

*Included in this ranking for the first time in 2018 Information on the population: The basis is the German-speaking population aged 14 and over Information on the entire sample:

2017: 23,106 respondents, extrapolation to 70.09 million people

2018: 23,086 respondents, extrapolation to 70.45 million people

2019: 23,120 respondents, extrapolated to 70.60 million people

2020: 23,138 respondents, extrapolated to 70.63 million people