Robocash predicts 24% increase in net worth of Europeans by 2030

According to Robocash forecasts, the average amount of assets held by European households will increase to €67.6k by 2030. Financial derivatives and employee stock options will make the biggest contribution to the growth of the indicator.

Since the beginning of the 21st century, the wealth of the median European* adult over age 15* has more than doubled. On average, they now own assets and liabilities worth about €55k euros.

The largest share of disposable assets for more than 20 years has been occupied by deposits in banks. Despite relatively low interest rates and high inflation, demand for them continues to grow. 

Of all the categories, long-term bonds show the most notable fall (-11%). “This is attributed to the fact that the average yield on long-term EU10Y government bonds has decreased from 5.524% in January 2000 to 2.031% in December 2023. However, recently, due to the ECB's key rate hike to offset rising inflation, yields on such securities have been gradually going up." - Robocash analysts comment.

Other investment options (other equity) grew 331%, indicating a flow of funds from the stock market into new alternative investments with higher returns, such as P2P lending or cryptocurrency. 

In the future, it is assumed that the improvement of the welfare of Europeans will continue at the expense of financial derivatives and employee stock options. By 2030, their growth will amount to 73% relative to the end of 2023. Long-term debt securities are in second place (+61%). According to the forecast, the amount of net assets at the disposal of Europeans will grow by 24% and will amount to about €67k euros against €55k at the end of 2023. 

* 27 European countries were taken for analysis: Belgium, Bulgaria, Czech Republic, Denmark, Germany, Estonia, Ireland, Greece, Spain, France, Croatia, Italy, Cyprus, Latvia, Lithuania, Luxembourg, Hungary, Malta, Netherlands, Austria, Poland, Portugal, Romania, Slovenia, Slovakia, Finland, Sweden.


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