Insee Focus · May 2025 · n° 354

Household wealth ownership in 2024 Savings account and life insurance remained households’ favourite financial investments

At the beginning of 2024, 90.5% of households living in France held financial products. Savings account and life insurance remained households’ favourite financial investments. Over the past 20 years, ownership of regulated housing savings decreased, while households have turned more towards life insurance, and more recently towards retirement savings. 61.2% of households owned real estate, a relatively stable share; it is mostly ownership of the main residence. Business assets ownership was less common (15.3% of households) and was often linked to self-employment.
46.5% of households had an outstanding loan, mainly a mortgage or a consumer loan.