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Savings behavior of private households – PDF Download

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Satisfaction with one's 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 return on their investments. According to the survey, which is representative of the resident population in Germany, at the end of 2020 approximately 57 percent of the investors surveyed were satisfied with the performance of their investments, compared to only about 41 percent at the end of the previous year.

“Were you generally satisfied or dissatisfied with the performance of your investments this year?” – This question was only asked of people who had invested money. A total of 1,001 people were surveyed. Some older data was taken from corresponding publications of the previous year.

Overall, were you rather satisfied or rather dissatisfied with the performance of your investments this year?

Not satisfied

• 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 worldwide – Image: Xpert.Digital

Savings rates of private households in selected countries of the world from 1995 to 2019 (in percent of disposable income)

This statistic shows the savings rates of private households in selected countries worldwide between 1995 and 2019. It depicts net household savings as a percentage of disposable income. In 2019, the savings rate of private households in Italy was approximately 2.7 percent.

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

In 2018, global gross financial assets held by private households amounted to approximately €172.5 trillion. This represents a decrease of about 0.1 percent compared to the previous year. This marks the first time since the 2008 financial crisis that global private wealth has declined – albeit only slightly. Until then, private financial assets had consistently increased over the period under review.

Global gross financial assets of private households from 2008 to 2018 (in trillions of 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 assessing 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 of the German Savings Banks Association, around 42 percent of German citizens rate their current financial situation as very good to good. Last year, this figure was 43 percent. Overall, however, the proportion of people satisfied with their financial situation has more than doubled in the past 15 years.

Survey on the assessment of the population's financial situation up to 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 investment – ​​Image: Xpert.Digital

In 2020, approximately 39.55 million people aged 14 and over in the German-speaking population had a savings account in their household. The survey question was phrased as follows: “Which of the following investment options do you have in your household? You can select more than one.”

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

Savings account

• 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

Money market 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

* First included in this ranking in 2018. Information on the target population: The basis is the German-speaking population aged 14 and over. Information on the entire sample:

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

2018: 23,086 respondents, extrapolated 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