Wealth distribution of households; NA, 2005-2014

Wealth distribution of households; NA, 2005-2014

Characteristics of households Periods Total amount Net worth (mln euro) Total amount Assets Total (mln euro) Total amount Assets Currency and deposits (mln euro) Total amount Assets Debt securities (mln euro) Total amount Assets Loans (mln euro) Total amount Assets Equity, investment fund shares or units (mln euro) Total amount Assets Insurance, pension and guarantee schemes (mln euro) Total amount Assets Fin. derivatives, employee stock options (mln euro) Total amount Assets Other accounts receivable/payable (mln euro) Total amount Liabilities Total (mln euro) Total amount Liabilities Loans (mln euro) Total amount Liabilities Fin. derivatives, employee stock options (mln euro) Total amount Liabilities Other liabilities (mln euro) Total amount Non-financial assets Total (mln euro) Total amount Non-financial assets Other non-financial assets (mln euro) Share in total net worth Net worth (%) Share in total net worth Assets Total (%) Share in total net worth Assets Currency and deposits (%) Share in total net worth Assets Debt securities (%) Share in total net worth Assets Loans (%) Share in total net worth Assets Equity, investment fund shares or units (%) Share in total net worth Assets Insurance, pension and guarantee schemes (%) Share in total net worth Assets Fin. derivatives, employee stock options (%) Share in total net worth Assets Other accounts receivable/payable (%) Share in total net worth Liabilities Total (%) Share in total net worth Liabilities Loans (%) Share in total net worth Liabilities Fin. derivatives, employee stock options (%) Share in total net worth Liabilities Other liabilities (%) Share in total net worth Non-financial assets Total (%) Share in total net worth Non-financial assets Other non-financial assets (%)
Total 2014 2,739,984 2,106,981 399,362 7,793 7,313 243,610 1,402,996 591 45,316 819,409 743,909 21 75,479 1,452,412 192,454 100.0 76.9 14.6 0.3 0.3 8.9 51.2 0.0 1.7 29.9 27.2 0.0 2.8 53.0 7.0
Stand. disposable income: 1st 20%-group 2014 149,187 112,942 33,087 564 606 17,620 55,371 43 5,651 66,968 57,554 1 9,413 103,213 11,691 100.0 75.7 22.2 0.4 0.4 11.8 37.1 0.0 3.8 44.9 38.6 0.0 6.3 69.2 7.8
Stand. disposable income: 2nd 20%-group 2014 250,738 193,352 43,633 324 799 10,122 135,988 25 2,460 71,793 67,694 1 4,098 129,179 6,905 100.0 77.1 17.4 0.1 0.3 4.0 54.2 0.0 1.0 28.6 27.0 0.0 1.6 51.5 2.8
Stand. disposable income: 3rd 20%-group 2014 416,084 318,812 58,170 594 1,065 18,582 236,215 45 4,140 134,553 127,656 2 6,895 231,825 14,646 100.0 76.6 14.0 0.1 0.3 4.5 56.8 0.0 1.0 32.3 30.7 0.0 1.7 55.7 3.5
Stand. disposable income: 4th 20%-group 2014 623,924 477,494 82,954 992 1,519 31,002 354,602 75 6,351 193,870 183,289 3 10,578 340,301 30,738 100.0 76.5 13.3 0.2 0.2 5.0 56.8 0.0 1.0 31.1 29.4 0.0 1.7 54.5 4.9
Stand. disposable income: 5th 20%-group 2014 1,300,051 1,004,382 181,517 5,319 3,324 166,283 620,821 403 26,714 352,226 307,716 14 44,495 647,894 128,474 100.0 77.3 14.0 0.4 0.3 12.8 47.8 0.0 2.1 27.1 23.7 0.0 3.4 49.8 9.9
Single person household: male 2014 282,603 231,957 41,923 1,112 768 34,761 148,365 84 4,945 80,542 72,304 2 8,236 131,188 15,363 100.0 82.1 14.8 0.4 0.3 12.3 52.5 0.0 1.7 28.5 25.6 0.0 2.9 46.4 5.4
Single person household: female 2014 252,969 187,997 56,631 1,163 1,037 36,345 89,899 88 2,833 49,658 44,939 0 4,719 114,630 3,717 100.0 74.3 22.4 0.5 0.4 14.4 35.5 0.0 1.1 19.6 17.8 0.0 1.9 45.3 1.5
Single-parent household 2014 86,467 71,673 16,268 174 298 5,448 45,476 13 3,996 46,185 39,528 1 6,656 60,978 5,598 100.0 82.9 18.8 0.2 0.3 6.3 52.6 0.0 4.6 53.4 45.7 0.0 7.7 70.5 6.5
Couple with children household 2014 748,582 540,436 109,651 1,759 2,008 54,995 355,539 133 16,350 386,087 358,844 11 27,232 594,233 101,446 100.0 72.2 14.6 0.2 0.3 7.3 47.5 0.0 2.2 51.6 47.9 0.0 3.6 79.4 13.6
Couple without children household 2014 1,263,695 988,305 155,843 3,328 2,854 104,030 706,329 252 15,669 235,819 209,714 6 26,099 511,209 55,839 100.0 78.2 12.3 0.3 0.2 8.2 55.9 0.0 1.2 18.7 16.6 0.0 2.1 40.5 4.4
Multi-person household, n.e.c. 2014 105,668 86,614 19,046 257 349 8,032 57,388 19 1,524 21,119 18,580 1 2,538 40,173 10,490 100.0 82.0 18.0 0.2 0.3 7.6 54.3 0.0 1.4 20.0 17.6 0.0 2.4 38.0 9.9
Income from own enterprise 2014 698,313 422,027 79,541 2,815 1,457 88,004 231,035 213 18,962 197,204 165,600 21 31,583 473,490 192,109 100.0 60.4 11.4 0.4 0.2 12.6 33.1 0.0 2.7 28.2 23.7 0.0 4.5 67.8 27.5
Income from labour 2014 959,887 821,127 163,641 2,244 2,997 70,149 564,226 170 17,700 512,648 483,167 0 29,481 651,408 313 100.0 85.5 17.0 0.2 0.3 7.3 58.8 0.0 1.8 53.4 50.3 0.0 3.1 67.9 0.0
Income from old-age/survivors pens 2014 984,757 776,624 142,268 2,566 2,605 80,210 541,208 195 7,573 86,371 73,758 0 12,613 294,503 15 100.0 78.9 14.4 0.3 0.3 8.1 55.0 0.0 0.8 8.8 7.5 0.0 1.3 29.9 0.0
Income from other transfer income 2014 97,027 87,203 13,912 168 255 5,247 66,527 13 1,082 23,186 21,384 0 1,802 33,010 17 100.0 89.9 14.3 0.2 0.3 5.4 68.6 0.0 1.1 23.9 22.0 0.0 1.9 34.0 0.0
Main earner to 35 years 2014 163,299 163,508 22,094 183 405 5,724 133,046 14 2,042 118,465 115,062 1 3,402 118,255 10,912 100.0 100.1 13.5 0.1 0.2 3.5 81.5 0.0 1.3 72.5 70.5 0.0 2.1 72.4 6.7
Main earner 35 to 50 years 2014 470,412 354,451 83,085 1,220 1,521 38,142 218,957 93 11,433 330,860 311,811 7 19,042 446,821 61,067 100.0 75.3 17.7 0.3 0.3 8.1 46.5 0.0 2.4 70.3 66.3 0.0 4.0 95.0 13.0
Main earner 50 to 65 years 2014 983,721 726,458 131,343 2,790 2,405 87,206 483,427 212 19,076 261,629 229,847 9 31,773 518,891 86,041 100.0 73.8 13.4 0.3 0.2 8.9 49.1 0.0 1.9 26.6 23.4 0.0 3.2 52.7 8.7
Main earner: 65 years or older 2014 1,122,553 862,564 162,840 3,600 2,982 112,538 567,566 273 12,765 108,456 87,190 4 21,262 368,445 34,434 100.0 76.8 14.5 0.3 0.3 10.0 50.6 0.0 1.1 9.7 7.8 0.0 1.9 32.8 3.1
Living costs: Owner-occupied home 2014 2,295,463 1,654,318 317,116 7,133 5,807 222,975 1,059,810 541 40,936 781,219 713,016 20 68,183 1,422,364 180,770 100.0 72.1 13.8 0.3 0.3 9.7 46.2 0.0 1.8 34.0 31.1 0.0 3.0 62.0 7.9
Living costs: Rent with rent subsidy 2014 75,446 81,618 8,288 10 152 311 72,300 1 557 8,030 7,102 0 928 1,857 527 100.0 108.2 11.0 0.0 0.2 0.4 95.8 0.0 0.7 10.6 9.4 0.0 1.2 2.5 0.7
Living costs: Rent without rent subsidy 2014 369,075 371,045 73,957 650 1,354 20,324 270,886 49 3,823 30,160 23,791 1 6,368 28,191 11,157 100.0 100.5 20.0 0.2 0.4 5.5 73.4 0.0 1.0 8.2 6.4 0.0 1.7 7.6 3.0
Source: CBS.
Explanation of symbols

Table description


This table describes the wealth distribution of the sector households in the national accounts over different household groups. Households are identified by main source of income, living situation, household composition, age classes of the head of the household, income class by 20% groups.

Data available from: 2005 up to and including 2014.

Status of the figures:
The figures of 2005-2014 are final.

Changes as of June 22nd 2018:
None. This table has been discontinued.
Statistics Netherlands has carried out a revision of the national accounts. New statistical sources and estimation methods have been used during the revision. Therefore this table has been replaced by table Wealth distribution of households; National Accounts. For further information see section 3.

When will new figures be published?
Not applicable anymore.

Description topics

Total amount
Net worth
Net worth equals the financial assets minus the liabilities plus the non-financial assets. Up to and including 2010 these data concern the households sector including the non-profit institutions serving households. From 2011 onwards these non-profit institutions serving households are no longer included for assets and liabilities, but still included in non-financial assets.
Assets
Assets are possessions of households. Up to and including 2010 these data concern the households sector including the non-profit institutions serving households. From 2011 onwards these NPISH are no longer included.
Total
Currency and deposits
Currency is notes and coins that are issued or authorised by monetary authorities. Deposits are standardised, non-negotiable contracts with the public at large, offered by deposit-taking corporations and, in some cases, by central government as debtors, and allowing the placement and the later withdrawal of the principal amount by the creditor. Deposits usually involve the debtor giving back the full principal amount to the investor.
Debt securities
Debt securities are negotiable financial instruments serving as evidence of debt.
Loans
Loans are created when creditors lend funds to debtors.
Equity, investment fund shares or units
Equity and investment fund shares or units are claims, which are -fully, or partly- entitled to a share in profits or in the own funds in case of liquidation. Included is the value of capital formation by the government in public enterprises (quasi-corporations) that belong to the government.
Equity and investment fund shares or units are residual claims on the assets of the Equity and investment fund shares or units include:
- listed shares
- unlisted shares - other equity
- investment fund shares or units

Insurance, pension and guarantee schemes
Insurance, pension and standardised guarantee schemes are divided into six subcategories:
- non-life insurance technical reserves
- life insurance and annuity entitlements
- pension entitlements
- claims of pension funds on pension managers
- entitlements to non-pension benefits
- provisions for calls under standardised guarantees
Fin. derivatives, employee stock options
Financial derivatives are financial instruments linked to a specified financial instrument or indicator or commodity, through which specific financial risks can be traded in financial markets in their own right. Financial derivatives meet the following conditions:
- they are linked to a financial or non-financial asset, to a group of assets, or to an index;
- they are either negotiable or can be offset on the market; and
- no principal amount is advanced to be repaid.
The financial derivatives include options and forwards (warrants, futures, swaps and forward rate agreements). Forwards are recorded net on the assets side of the balance sheets, financial transactions and other changes, meaning that no liabilities are presented but only net assets. The outstanding positions can therefore have a negative value.

Employee stock options are agreements made on a given date under which an employee has the right to purchase a given number of shares of the employer's stock at a stated price either at a stated time or within a period of time immediately following the vesting date.
Other accounts receivable/payable
The transactions in the sector accounts are mainly recorded at a moment that does not coincide with the moment the transaction is completed. These time differences cause changes in assets and liabilities, which are recorded in the transaction 'other accounts receivable and payable'.
For example, sales are recorded at the moment of delivery. At that moment, a claim of the supplier on the buyer (supplier's credit) arises, which is nullified when the buyer pays. Other examples are payments in advance on deliveries (buyer's credit) and due payments or receipts of wages and salaries, interests, contributions etc.

Financial transactions in other accounts receivable/payable comprise:
- Trade credits and advances; and
- Other accounts receivable/payable, excluding trade credits and advances.
Liabilities
Liabilities are debts of households. Up to and including 2010 these data concern the households sector including the non-profit institutions serving households. From 2011 onwards these NPISH are no longer included.
Total
Loans
Loans are created when creditors lend funds to debtors.
Fin. derivatives, employee stock options
Financial derivatives are financial instruments linked to a specified financial instrument or indicator or commodity, through which specific financial risks can be traded in financial markets in their own right. Financial derivatives meet the following conditions:
- they are linked to a financial or non-financial asset, to a group of assets, or to an index;
- they are either negotiable or can be offset on the market; and
- no principal amount is advanced to be repaid.
The financial derivatives include options and forwards (warrants, futures, swaps and forward rate agreements). Forwards are recorded net on the assets side of the balance sheets, financial transactions and other changes, meaning that no liabilities are presented but only net assets. The outstanding positions can therefore have a negative value.

Employee stock options are agreements made on a given date under which an employee has the right to purchase a given number of shares of the employer's stock at a stated price either at a stated time or within a period of time immediately following the vesting date.
Other liabilities
Other liabilities are all debts excluding loans, financial derivatives and employee stock options. Up to and including 2010, these data relate to households including non-profit institutions serving households. From 2011 onwards, these non-profit institutions serving households are no longer included.
Non-financial assets
Non-financial assets are objects which represent an economic value, on which property rights can be exerted and which do not have a financial character. In practice, this includes approximately all (non-financial) objects which can be sold. Examples of objects which cannot be sold are the sea and the air. Examples of assets which have a financial character are stocks and pensions. Non-financial assets consist of fixed assets, inventories, land and oil and gas reserves and consumer durables.
The data relate to households including non-profit institutions serving households.

Total
Other non-financial assets
Other non-financial assets are the total of non-financial assets excluding dwellings, land underlying dwellings and costs of ownership transfers on land underlying dwellings.
The data relate to households including non-profit institutions serving households.
Share in total net worth
Percentage share in total net worth.
Net worth
Net worth equals the financial assets minus the liabilities plus the non-financial assets. Up to and including 2010 these data concern the households sector including the non-profit institutions serving households. From 2011 onwards these non-profit institutions serving households are no longer included for assets and liabilities, but still included in non-financial assets.

Assets
Assets are possessions of households. Up to and including 2010 these data concern the households sector including the non-profit institutions serving households. From 2011 onwards these NPISH are no longer included.
Total
Currency and deposits
Currency is notes and coins that are issued or authorised by monetary authorities. Deposits are standardised, non-negotiable contracts with the public at large, offered by deposit-taking corporations and, in some cases, by central government as debtors, and allowing the placement and the later withdrawal of the principal amount by the creditor. Deposits usually involve the debtor giving back the full principal amount to the investor.
Debt securities
Debt securities are negotiable financial instruments serving as evidence of debt.
Loans
Loans are created when creditors lend funds to debtors.
Equity, investment fund shares or units
Equity and investment fund shares or units are claims, which are -fully, or partly- entitled to a share in profits or in the own funds in case of liquidation. Included is the value of capital formation by the government in public enterprises (quasi-corporations) that belong to the government.
Equity and investment fund shares or units are residual claims on the assets of the Equity and investment fund shares or units include:
- listed shares
- unlisted shares - other equity
- investment fund shares or units
Insurance, pension and guarantee schemes
Insurance, pension and standardised guarantee schemes are divided into six subcategories:
- non-life insurance technical reserves
- life insurance and annuity entitlements
- pension entitlements
- claims of pension funds on pension managers
- entitlements to non-pension benefits
- provisions for calls under standardised guarantees
Fin. derivatives, employee stock options
Financial derivatives are financial instruments linked to a specified financial instrument or indicator or commodity, through which specific financial risks can be traded in financial markets in their own right. Financial derivatives meet the following conditions:
- they are linked to a financial or non-financial asset, to a group of assets, or to an index;
- they are either negotiable or can be offset on the market; and
- no principal amount is advanced to be repaid.
The financial derivatives include options and forwards (warrants, futures, swaps and forward rate agreements). Forwards are recorded net on the assets side of the balance sheets, financial transactions and other changes, meaning that no liabilities are presented but only net assets. The outstanding positions can therefore have a negative value.

Employee stock options are agreements made on a given date under which an employee has the right to purchase a given number of shares of the employer's stock at a stated price either at a stated time or within a period of time immediately following the vesting date.
Other accounts receivable/payable
The transactions in the sector accounts are mainly recorded at a moment that does not coincide with the moment the transaction is completed. These time differences cause changes in assets and liabilities, which are recorded in the transaction 'other accounts receivable and payable'.
For example, sales are recorded at the moment of delivery. At that moment, a claim of the supplier on the buyer (supplier's credit) arises, which is nullified when the buyer pays. Other examples are payments in advance on deliveries (buyer's credit) and due payments or receipts of wages and salaries, interests, contributions etc.

Financial transactions in other accounts receivable/payable comprise:
- Trade credits and advances; and
- Other accounts receivable/payable, excluding trade credits and advances.


Liabilities
Liabilities are debts of households. Up to and including 2010 these data concern the households sector including the non-profit institutions serving households. From 2011 onwards these NPISH are no longer included.
Total
Loans
Loans are created when creditors lend funds to debtors.
Fin. derivatives, employee stock options
Financial derivatives are financial instruments linked to a specified financial instrument or indicator or commodity, through which specific financial risks can be traded in financial markets in their own right. Financial derivatives meet the following conditions:
- they are linked to a financial or non-financial asset, to a group of assets, or to an index;
- they are either negotiable or can be offset on the market; and
- no principal amount is advanced to be repaid.
The financial derivatives include options and forwards (warrants, futures, swaps and forward rate agreements). Forwards are recorded net on the assets side of the balance sheets, financial transactions and other changes, meaning that no liabilities are presented but only net assets. The outstanding positions can therefore have a negative value.

Employee stock options are agreements made on a given date under which an employee has the right to purchase a given number of shares of the employer's stock at a stated price either at a stated time or within a period of time immediately following the vesting date.
Other liabilities
Other liabilities are all debts excluding loans, financial derivatives and employee stock options. Up to and including 2010, these data relate to households including non-profit institutions serving households. From 2011 onwards, these non-profit institutions serving households are no longer included.
Non-financial assets
Non-financial assets are objects which represent an economic value, on which property rights can be exerted and which do not have a financial character. In practice, this includes approximately all (non-financial) objects which can be sold. Examples of objects which cannot be sold are the sea and the air. Examples of assets which have a financial character are stocks and pensions. Non-financial assets consist of fixed assets, inventories, land and oil and gas reserves and consumer durables.
The data relate to households including non-profit institutions serving households.


Total
Other non-financial assets
Other non-financial assets are the total of non-financial assets excluding dwellings, land underlying dwellings and costs of ownership transfers on land underlying dwellings.
The data relate to households including non-profit institutions serving households.