Household asset composition: real estate, deposits, stocks, pensions
How households split total assets across real estate, deposits, stocks/funds, and pensions & insurance. The bottom two segments are 'frozen' capital (real estate + deposits); the top two are 'productive' (stocks + pensions).
Source: Federal Reserve (Z.1), Statistics Korea (Survey of Household Finances), SingStat (Household Sector Balance Sheet), DGBAS Taiwan, Bank of Japan (Flow of Funds) · Cabinet Office, China Household Finance Survey · PBOC · last checked 2026-06-14
Each bar splits a country's total household assets into four cited components, ordered frozen-first: real estate + deposits ('frozen' capital, dark) then stocks/funds + pensions & insurance ('productive', blue). Bars need not total 100% — other assets (unlisted business equity, bonds) and rounding are omitted, and Singapore's CPF + insurance push its total slightly over. Latest-available snapshot (US 2024, Korea 2024, Japan 2024, Taiwan 2023, Singapore 2026, China ~2022); China and Japan's real-estate share is a range estimate (approximate). Public pensions (Korea's National Pension, China's basic pension) are excluded everywhere, while funded individual accounts (US 401k, Singapore CPF) are counted. Data coverage: among Southeast Asia only Singapore publishes a citable household balance sheet — Vietnam, Indonesia, Thailand, Malaysia and the Philippines are omitted because no official asset-composition breakdown is published, never estimated.
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