{"id":65597,"date":"2026-02-12T10:57:52","date_gmt":"2026-02-12T09:57:52","guid":{"rendered":"https:\/\/www.captrader.com\/?post_type=blog&#038;p=65597"},"modified":"2026-02-20T08:34:36","modified_gmt":"2026-02-20T07:34:36","slug":"equity-culture-in-germany-focus-on-digitalization-and-young-investors","status":"publish","type":"blog","link":"https:\/\/www.captrader.com\/en\/blog\/aktienkultur-in-deutschland-digitalisierung-und-junge-anleger-im-blickpunkt\/","title":{"rendered":"Equity culture in Germany: focus on digitalization and young investors"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Equity investments have been experiencing a noticeable renaissance in Germany for years. While the capital market has long been a niche topic in this country, this picture seems to be changing noticeably. More and more people are discovering shares, funds and ETFs as investment opportunities for long-term wealth accumulation and private provision across all age groups, genders and regions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The latest figures from Deutsches Aktieninstitut show that this development is not a trend, but rather an expression of structural change.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Find out below what is driving the change, who is driving the growth and what the implications are for investors in this context.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Notice:<\/strong> The following figures are based on the information provided by Deutsches Aktieninstitut (DAI) on 13.01.2026 (source: https:\/\/www.dai.de\/detail\/aktionaerszahlen-2025-aktienanlage-im-aufwind)<\/p>\n\n\n<style id=\"bricks-inline-css-component-lnntzm\">\n\/* BREAKPOINT: Desktop (BASE) *\/\n.block-editor-iframe__body .brxe-rtliac:not(.tag), .block-editor-iframe__body .brxe-rtliac img{aspect-ratio: 1; object-fit: contain}\n.block-editor-iframe__body .brxe-rtliac{width: 65px}\n\n\n\/* BREAKPOINT: Desktop (BASE) *\/\n.block-editor-iframe__body .brxe-lkidxf{border: 3px solid #F6F6F8; margin-top: -60px; background-color: var(--light)}\n\n\n\/* BREAKPOINT: Desktop (BASE) *\/\n.block-editor-iframe__body .brxe-jzmkoh{font-weight: 600; font-size: var(--text-xl); text-transform: uppercase}\n\n\n\/* BREAKPOINT: Desktop (BASE) *\/\n.block-editor-iframe__body .brxe-umltno ul li{ list-style: none; position: relative; padding-left: 30px;} .block-editor-iframe__body .brxe-umltno ul li::before{ content: ''; position: absolute; left: 0; top: 0.4em; width: 15px; height: 15px; background-image: url('\/wp-content\/uploads\/2024\/02\/square-full-solid.svg'); background-size: contain; background-repeat: no-repeat;}\n\n\n\/* BREAKPOINT: Mobil Hochformat *\/\n@media (max-width: 478px){\n.block-editor-iframe__body .brxe-xowhkb{margin-top: 20px}\n}\n\n\/* BREAKPOINT: Desktop (BASE) *\/\n.block-editor-iframe__body .brxe-lnntzm{background-color: #F6F6F8; align-items: center; position: relative; margin-top: 60px; padding-right: var(--space-l); padding-bottom: var(--space-l); padding-left: var(--space-l)}\n\n\n\/* Disable links in editor *\/\n.block-editor-iframe__body a.brxe-lnntzm, .block-editor-iframe__body .brxe-lnntzm a{ pointer-events: none; }\n<\/style><div class=\"brxe-lnntzm brxe-block\"><div class=\"brxe-lkidxf brxe-div radius-full padding-s\"><img decoding=\"async\" src=\"https:\/\/www.captrader.com\/wp-content\/uploads\/2025\/06\/Icons_Uebersicht-blau.svg\" class=\"brxe-rtliac brxe-image css-filter size-full\" alt=\"A simple outline of a document with horizontal lines and a yellow magnifying glass in front of it, symbolizing the document check or search.\" \/><\/div><div class=\"brxe-xowhkb brxe-block\"><h2 class=\"brxe-jzmkoh brxe-heading\">The most important in a nutshell<\/h2><div class=\"brxe-umltno brxe-text\"><ul>\n<li>With 14.1 million investors, share ownership in Germany has reached a new high in 2025<\/li>\n<li>The bottom line is that one in five people aged 14 and over is involved in the stock market<\/li>\n<li>With 1.2 million new investors, the under-40s in particular contributed over 60 percent to the overall increase<\/li>\n<li>ETFs, savings plans and digitalization have simplified and expanded access to the stock market<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\">Record participation in the stock market in 2025: 14.1 million investors<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">With 14.1 million investors, share ownership in Germany has reached a new high in 2025. Compared to 2024, this corresponds to an increase of around 2 million people. The bottom line is that one in five people aged 14 and over is invested in the stock market - a clear sign that the positive trend of the past ten years has continued.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"596\" src=\"https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/02\/Aktienkultur-Deutschland-Menschen-mit-Aktienanlagen-1024x596.jpg\" alt=\"Bar chart showing that the number of people with equity investments in Germany will rise from 12.1 million in 2021 to 14.1 million in 2025.\" class=\"wp-image-65735\" srcset=\"https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/02\/Aktienkultur-Deutschland-Menschen-mit-Aktienanlagen-1024x596.jpg 1024w, https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/02\/Aktienkultur-Deutschland-Menschen-mit-Aktienanlagen-300x175.jpg 300w, https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/02\/Aktienkultur-Deutschland-Menschen-mit-Aktienanlagen-768x447.jpg 768w, https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/02\/Aktienkultur-Deutschland-Menschen-mit-Aktienanlagen-18x10.jpg 18w, https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/02\/Aktienkultur-Deutschland-Menschen-mit-Aktienanlagen.jpg 1100w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Savings plans continue to grow in importance - funds and ETFs are popular investment vehicles<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The importance of savings plans, particularly in the case of funds and <a href=\"https:\/\/www.captrader.com\/en\/conditions\/etf-trade\/\">ETFs<\/a> should be emphasized. In Germany, 5.3 million people invested with the help of a savings plan, which corresponds to an increase of 1.7 million people compared to the previous year. Savings plans were primarily used in the ETF segment: More than half of ETF investors invested via this instrument. Savings plans also played a role in so-called actively managed equity funds, albeit less frequently. Savings plans were less important for individual purchases.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">With 1.2 million new investors, the under-40s in particular contributed over 60 percent to the overall increase<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The under-40 age group is particularly noteworthy, with an increase of 1.2 million investors, accounting for more than 60% of the overall increase. It is also worth noting that around half of equity investors under the age of 40 own an ETF or invest with the help of a savings plan.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"614\" src=\"https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/02\/Aktienkultur-Deutschland-Aktienanlage-nach-Alter-1024x614.jpg\" alt=\"Pie chart shows expected number of equity investors in Germany in 2025 by age group: 14-39 years (4.9 million), 40-49 (2.3), 50-59 (2.8), 60+ (4.0).\" class=\"wp-image-65736\" srcset=\"https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/02\/Aktienkultur-Deutschland-Aktienanlage-nach-Alter-1024x614.jpg 1024w, https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/02\/Aktienkultur-Deutschland-Aktienanlage-nach-Alter-300x180.jpg 300w, https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/02\/Aktienkultur-Deutschland-Aktienanlage-nach-Alter-768x461.jpg 768w, https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/02\/Aktienkultur-Deutschland-Aktienanlage-nach-Alter-18x12.jpg 18w, https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/02\/Aktienkultur-Deutschland-Aktienanlage-nach-Alter.jpg 1100w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Robust demand for equities in 2025 despite a market environment characterized by uncertainty<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Although the economic environment was characterized by uncertainty, demand for securities remained robust in 2025. In addition to digital offerings, access to the capital market was facilitated by the growing use of ETFs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the DAI <a href=\"https:\/\/www.captrader.com\/en\/conditions\/stocks-trade\/\">Stocks<\/a> The investment of capital in the long term, broadly diversified and regularly used, for example as a building block of private pension provision. Last but not least, the topic is also present in the public debate. In addition, younger people in particular are facing the challenge of building up pension strategies due to demographic developments and the pay-as-you-go pension system.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The relatively high use of a savings plan also indicates a reflective approach to equity investments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Women are catching up significantly in terms of share investments - share ownership strongly dependent on income<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Of a total of 14.1 million investors with equity investments last year, 5.4 million were women and 8.7 million were men. Compared to the previous year, there was an increase of 24% (approx. 1 million female investors). Among men, there was an increase of 12% (940,000 investors). In 2024, the number of female investors was still declining, while the number of men increased.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In 2025, the number of investors with equity investments increased in all income groups. However, it is clear that share ownership is strongly influenced by income. Almost half of investors with a net income of over EUR 4,000 were invested in 2025 and only around one eighth of those with an income of less than EUR 2,000.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"596\" src=\"https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/02\/Aktienkultur-Deutschland-Veraenderung-1024x596.jpg\" alt=\"Bar chart showing the annual number of women and men (in thousands) from 2021 to 2025, with the number of men being higher than the number of women each year.\" class=\"wp-image-65734\" srcset=\"https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/02\/Aktienkultur-Deutschland-Veraenderung-1024x596.jpg 1024w, https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/02\/Aktienkultur-Deutschland-Veraenderung-300x175.jpg 300w, https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/02\/Aktienkultur-Deutschland-Veraenderung-768x447.jpg 768w, https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/02\/Aktienkultur-Deutschland-Veraenderung-18x10.jpg 18w, https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/02\/Aktienkultur-Deutschland-Veraenderung.jpg 1100w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">While both men and women were increasingly looking to invest in shares in 2025, the year-on-year increase among female investors was significantly higher than among women (12%). It is also worth noting that share ownership remains strangely dependent on income. While around half of all investors with a net income of over EUR 4,000 were invested, the proportion with a net income of less than EUR 2,000 was only around one eighth.<\/p>\n\n\n<a id=\"brxe-jacjrw\" href=\"https:\/\/www.captrader.com\/en\/depot-eroeffnen\/\" class=\"brxe-block margin-bottom-s banner-bild\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"500\" src=\"https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/01\/Weltkugel_EN.jpg\" class=\"brxe-image css-filter size-full\" alt=\"Advertising banner for CapTrader with statistical data: 1.2 million tradable securities, 170 stock exchanges, 36 countries, 28 currencies and a button to open an account.\" id=\"brxe-paogup\" srcset=\"https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/01\/Weltkugel_EN.jpg 1500w, https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/01\/Weltkugel_EN-300x100.jpg 300w, https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/01\/Weltkugel_EN-1024x341.jpg 1024w, https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/01\/Weltkugel_EN-768x256.jpg 768w, https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/01\/Weltkugel_EN-18x6.jpg 18w\" sizes=\"auto, (max-width: 1500px) 100vw, 1500px\" \/><\/a><a id=\"brxe-hojgaz\" href=\"https:\/\/www.captrader.com\/en\/depot-eroeffnen\/\" class=\"brxe-block margin-bottom-s\"><img loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"700\" src=\"https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/01\/CapTrader_Werbebanner_vertikal_Weltkugel_EN.jpg\" class=\"brxe-image css-filter size-full\" alt=\"Advertisement for CapTrader with a view of Europe from space at night, a list of trading advantages and a yellow button labeled &quot;Open account&quot;.\" id=\"brxe-aaxoxz\" srcset=\"https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/01\/CapTrader_Werbebanner_vertikal_Weltkugel_EN.jpg 350w, https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/01\/CapTrader_Werbebanner_vertikal_Weltkugel_EN-150x300.jpg 150w, https:\/\/www.captrader.com\/wp-content\/uploads\/2026\/01\/CapTrader_Werbebanner_vertikal_Weltkugel_EN-6x12.jpg 6w\" sizes=\"auto, (max-width: 350px) 100vw, 350px\" \/><\/a>\n\n\n\n<h2 class=\"wp-block-heading\">Summary: Between progress and pent-up demand - young generation drives change<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The DAI's shareholder figures from 2025 are less of a snapshot than a longer-term change in investment behavior. In addition to digitalization, products such as ETFs and savings plans have made access to the stock market easier and more widespread.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Younger generations in particular are responding to the current challenges of retirement provision. However, it should also be emphasized that the proportion of equities in Germany remains comparatively low and that although progress has been made in this country, it may not yet be finalized.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Die Aktienanlage erlebt in Deutschland seit Jahren eine sp\u00fcrbare Renaissance. W\u00e4hrend der Kapitalmarkt hierzulande lange als Nischenthema fungierte, scheint sich dieses Bild zusehends zu wandeln. Immer mehr Menschen entdecken Aktien, Fonds und ETFs als Anlagem\u00f6glichkeiten f\u00fcr den langfristigen Verm\u00f6gensaufbau sowie die private Vorsorge und das \u00fcber die Altersgruppen, Geschlechter und Regionen hinweg. Die neusten Zahlen [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":46175,"menu_order":0,"template":"","blog-kategorie":[846,840],"class_list":["post-65597","blog","type-blog","status-publish","has-post-thumbnail","hentry","blog-kategorie-aktien","blog-kategorie-boerse"],"acf":{"blog_summary":"","blog_faq_schalter":"ja","faq_uberschrift":"FAQ \u2013 H\u00e4ufig gestellte Fragen","blog_faq_loop":[{"blog_faq_question":"Wie Aktienanleger hab es im Jahr 2025 in der Bundesrepublik Deutschland?","blog_faq_answer":"Mit 14,1 Millionen Anlegern hat die Aktienbeteiligung in Deutschland im Jahr 2025 einen neuen H\u00f6chststand erreicht. Im Vergleich zu 2024 entspricht dies einem Plus von rund 2 Millionen Personen. Unter dem Strich ist damit jede f\u00fcnfte Person ab 14 Jahren am Aktienmarkt engagiert."},{"blog_faq_question":"Welche Bedeutung wurden Sparpl\u00e4ne im Jahr 2025 zuteil?","blog_faq_answer":"Auch die Bedeutung von Sparpl\u00e4nen, insbesondere bei Fonds und ETFs gilt es hervorzuheben. So investierten 5,3 Millionen Menschen hierzulande mit Hilfe eines Sparplans, was einem Plus von 1,7 Millionen Menschen gegen\u00fcber dem Vorjahr entspricht. Sparpl\u00e4ne fanden vor allem im Bereich der ETFs Anwendung: Mehr als die H\u00e4lfte der ETF-Anleger investierte \u00fcber dieses Instrument. Auch bei sogenannten aktiv gemanagten Aktienfonds spielen Sparpl\u00e4ne eine Rolle, allerdings seltener. Beim Einzelkauf von Sparplanen sind diese weniger von Bedeutung."},{"blog_faq_question":"Wann k\u00f6nnen sich Aktien eignen?","blog_faq_answer":"Laut Angaben des DAI, k\u00f6nnen sich Aktien dann eigenen, wenn diese langfristig, breit gestreut und regelm\u00e4\u00dfig eingesetzt werden, wie z.B. als Baustein der privaten Altersvorsorge. Pr\u00e4sent ist das Thema nicht zuletzt auch in der \u00f6ffentlichen Diskussion."},{"blog_faq_question":"Vor welcher Herausforderung steht die j\u00fcngere Generation?","blog_faq_answer":"Vor allem j\u00fcngere Generationen reagieren auf die aktuellen Herausforderungen der Altersvorsorge. Hervorzuheben ist allerdings auch, der Aktienanteil in Deutschland weiterhin vergleichsweise niedrig ausf\u00e4llt und die Entwicklung hierzulande zwar Fortschritte aufweist, aber wom\u00f6glich noch nicht finalisiert ist."},{"blog_faq_question":"Was zeigen die Aktion\u00e4rszahlen des DAI aus dem Jahr 2025 unter dem Strich auf?","blog_faq_answer":"Die Aktion\u00e4rszahlen des DAI aus dem Jahr 2025 fungieren weniger als Momentaufnahme als vielmehr ein l\u00e4ngerfristiger Wandel im Anlageverhalten. Erleichtert und verbreitet haben neben der Digitalisierung, Produkte wie ETFs und Sparpl\u00e4ne den Zugang zum Aktienmarkt."},{"blog_faq_question":"Gibt es Unterschiede zwischen M\u00e4nner und Frauen sowie beim Anlageverhalten mit h\u00f6herem bzw. niedrigerem Einkommen?","blog_faq_answer":"W\u00e4hrend M\u00e4nner als auch Frauen im Jahr 2025 verst\u00e4rkt in Aktienanlagen investiert haben, fiel das Plus in den Reihen weiblicher Anleger im Vergleich zum Vorjahr deutlich h\u00f6her aus als bei den Frauen (12 Prozent). Bemerkenswert bleibt zudem, dass der Aktienbesitz sonderbar abh\u00e4ngig vom Einkommen bleibt. W\u00e4hrend rund die H\u00e4lfte aller Anleger mit einem Einkommen (netto) von \u00fcber 4.000 Euro war investiert war, lag der Anteil mit einem Nettoeinkommen unter 2.000 Euro bei lediglich rund einem Achtel."}]},"_links":{"self":[{"href":"https:\/\/www.captrader.com\/en\/wp-json\/wp\/v2\/blog\/65597","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.captrader.com\/en\/wp-json\/wp\/v2\/blog"}],"about":[{"href":"https:\/\/www.captrader.com\/en\/wp-json\/wp\/v2\/types\/blog"}],"author":[{"embeddable":true,"href":"https:\/\/www.captrader.com\/en\/wp-json\/wp\/v2\/users\/36"}],"version-history":[{"count":3,"href":"https:\/\/www.captrader.com\/en\/wp-json\/wp\/v2\/blog\/65597\/revisions"}],"predecessor-version":[{"id":66004,"href":"https:\/\/www.captrader.com\/en\/wp-json\/wp\/v2\/blog\/65597\/revisions\/66004"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.captrader.com\/en\/wp-json\/wp\/v2\/media\/46175"}],"wp:attachment":[{"href":"https:\/\/www.captrader.com\/en\/wp-json\/wp\/v2\/media?parent=65597"}],"wp:term":[{"taxonomy":"blog-kategorie","embeddable":true,"href":"https:\/\/www.captrader.com\/en\/wp-json\/wp\/v2\/blog-kategorie?post=65597"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}