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Typical UK Worker Needs 52 Years of Pay to Reach Top 10% of Wealth, Report Finds

Passive gains in property and pensions have widened gaps, stalling mobility.

Overview

  • Resolution Foundation analysis of ONS 2020–22 data finds a £1.3 million gap between the middle and the top wealth decile, up from £1.0 million in 2006–08.
  • Britain’s household wealth reached about £17 trillion in 2020–22—nearly 7.5 times GDP—with roughly 32% held in property and 48% in pensions.
  • Most wealth growth since the early 2010s came from passive gains such as rising house prices and pension revaluations, concentrating benefits among older, asset‑owning households.
  • The age gap has widened sharply, with people in their early 60s holding on average £310,000 more than those in their early 30s, compared with £135,000 in 2006–08.
  • Regional divides persist, with median wealth per adult around £290,000 in the South East versus £110,000 in the North East, and London showing the starkest inequality despite a low median.