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More than two million people in Finland owned listed shares or investment funds at the end of 2024, according to new data from Statistics Finland. The figure represents just under 37 percent of the population.
Retail investing has grown steadily over the past decade. In 2013, only around one in four people in Finland held investments in shares or funds.
Investment funds remain more popular than direct stock ownership.
Around 30 percent of people held units in funds, while slightly under 17 percent owned listed shares. The data is drawn from Statistics Finland’s latest household wealth statistics.
Veli-Matti Törmälehto, senior researcher at Statistics Finland, said investment fund ownership has increased every year for the past ten years.
Among age groups, 35–44-year-olds were the most active investors and the most likely to hold mutual funds. Direct share ownership increased with age and peaked among people aged 75 and over.
Equity savings accounts were most common among younger adults. By the end of 2024, nearly 10 percent of 25–34-year-olds had assets in such accounts. The structure, introduced in 2020, allows private investors to trade shares with tax deferral on capital gains.
The value of investment portfolios varied widely. A quarter of investors held assets worth less than €1,150, while another quarter held over €23,000. The top five percent of investors had holdings exceeding €142,600.
Gender differences were evident in both ownership patterns and portfolio sizes.
Men and women held investment funds in roughly equal numbers, about 30 percent each, but direct stock ownership was higher among men. One in five men owned listed shares, compared to just 13 percent of women.
Men also made greater use of equity savings accounts. Around 6.5 percent of men held assets in these accounts, compared to just under 3 percent of women.
Men were more likely to have larger investments overall. The average value of listed shares and funds among male investors was €51,200. For women, the average was €30,700.
HT
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Source: www.helsinkitimes.fi
