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Published on: October 11, 2021 / update from: October 18, 2021 - Author: Konrad Wolfenstein

Financial planning and financial advice for Ulm, Neu-Ulm, Dornstadt or Blaustein

Financial planning and financial advice – Image: Xpert.Digital / Rido|Shutterstock.com

What you should know about your financial planning

Do you actually know what the financial market is doing? Do you know the savings rate in Germany and how satisfied the population is with their financial situation? How are financial assets divided and what are the preferred investment products?

You can find an independent overview here:

Free PDF download of 'Saving behavior of private households'

Important note: The PDF is password protected.
Please get in contact with me. Of course, the PDF is free of charge. Important note: The PDF is password protected. Please contact me. Of course the PDF is free of charge.

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

Saving behavior of private households – PDF download

 

👨🏻 👩🏻 👴🏻 👵🏻 For private households

Xpert.Digital helps you choose your independent financial service provider. With our AI-supported digital know-how, we provide you with current data and figures.

Financial planning is worthwhile for everyone, regardless of income and assets. It doesn't always have to be a complete and elaborate financial plan. Depending on the situation, special topic plans such as: B. retirement provision.

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📣 For entrepreneurs such as founders and start-ups

The financial plan is the basis for the business plan. It should be updated regularly. Clearly defined corporate goals help with this.

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With over 1,000 specialist articles, we cannot present all topics here. Therefore, you will find a small excerpt from our work here and we would be pleased if we have piqued your interest in getting to know us better:

Structure of the financial assets of private households in Germany

Structure of the financial assets of private households in Germany

Structure of the financial assets of private households in Germany – Image: Xpert.Digital

This statistic shows the structure of the financial assets of private households in Germany in 2019. The status at the end of the year is shown. At the end of 2019, around 11.6 percent of the financial assets of German private households were invested in investment funds.

Structure of financial assets of private households in Germany in 2019

  • Bank balance* – 40.3%
  • Insurance** – 35%
  • Mutual funds – 11.6%
  • Stocks – 7.2%
  • Bonds – 2.3%
  • Other equity rights – 3.6%

*Including cash.
**Including pension funds and funds, professional pension schemes and supplementary pension schemes.

Savings rate of private households in Germany

Savings rate of private households in Germany

Savings rate of private households in Germany – Image: Xpert.Digital

Record value due to the corona-related lockdown - in 2020, the savings rate of private households* in Germany was around 16.2 percent. The associated savings amounted to around 331 billion euros.

*Including private non-profit organizations.

Disposable income of private households

The disposable income of private households corresponds to the income that is ultimately available to households after deducting direct taxes and social contributions. It can be used for consumption and savings purposes. At the end of 2020, the disposable income of private households in this country was around 1,983 billion euros. The majority of disposable income is used for consumption purposes. The unconsumed portion plus the increase in company pension entitlements represents the savings of private households. The saved portion of disposable income is referred to as the savings rate.

Savings products used

Private households have a variety of investment options available to invest their savings. However, many German citizens still use a savings book or account to invest money, despite the low interest rate. German savers prefer conservative forms of investment, even if their return is currently close to zero. Investment forms that are more prone to fluctuations, such as stocks, tend to be avoided. This can also be seen in the number of shareholders in Germany, which is still a long way from the record value achieved during the New Economy era in 2000. However: The Corona year 2020 led to more people getting involved in the stock market again.

Savings rate of private households in Germany from 1991 to 2020

  • 1991 – 12,9 %
  • 1992 – 12,9 %
  • 1993 – 12,4 %
  • 1994 – 11,7 %
  • 1995 – 11,4 %
  • 1996 – 10,9 %
  • 1997 – 10,6 %
  • 1998 – 10,4 %
  • 1999 – 9,8 %
  • 2000 – 9,3 %
  • 2001 – 10 %
  • 2002 – 10,1 %
  • 2003 – 10,6 %
  • 2004 – 10,6 %
  • 2005 – 10,6 %
  • 2006 – 10,6 %
  • 2007 – 10,7 %
  • 2008 – 10,9 %
  • 2009 – 10,4 %
  • 2010 – 10,3 %
  • 2011 – 10 %
  • 2012 – 9,7 %
  • 2013 – 9,3 %
  • 2014 – 9,8 %
  • 2015 – 10,1 %
  • 2016 – 10,2 %
  • 2017 – 10,6 %
  • 2018 – 10,9 %
  • 2019 – 10,9 %
  • 2020 – 16,2 %

Survey to assess the financial situation of the population in Germany

Survey to assess the financial situation of the population in Germany

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 %

Financial Planning: Preferred Investment Products

Financial Planning: Preferred Investment Products

Financial planning: preferred investment products – Image: Xpert.Digital

This statistic shows the results of a survey on the preferred investment options in Germany in 2020. According to the survey, which is representative of the residential population in Germany, around 27 percent of the investors surveyed preferred investments in real estate in 2020.

Preferred investment products 2020: Which of these investment options did you prefer in 2020?

  • Fund shares – 45%
  • Savings account/plan – 42%
  • Stocks – 35%
  • Real estate – 27%
  • Daily allowance – 24%
  • Fixed-term deposit – 20%
  • Gold – 13%
  • Fixed Income Securities – 13%
  • Other precious metals – 4%
  • Cryptocurrency (Bitcoin etc.) – 2%

Xpert.Digital for Ulm, Neu-Ulm, Dornstadt and Blaustein. Support for your independent financial planning advice, wealth advice and investment advice

Digital Pioneer - Konrad Wolfenstein

Konrad Wolfenstein

I would be happy to answer any further questions or help you may have.

You can contact me by filling out the contact form below or simply call me on 0731 550 40 117 .

I'm looking forward to our joint project.

 

 

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