Overview

• German private household money wealth reached a record €9.05 trillion in Q4 2024, marking a €136 billion increase from the previous quarter.
• The top 10% of households hold half of all money wealth and 54% of net assets, while the bottom 50% own only minimal shares.
• Wealthier households benefit from higher real returns by investing in equities and funds, while poorer households rely on low-yield cash deposits and insurance claims.
• Inflation-adjusted net money wealth stands at €6.91 trillion, falling below 2022 levels and signaling real-term losses for many households.
• Over a third of total money wealth (€3.4 trillion) is held in cash and sight deposits, reflecting the cautious approach of lower-income households.