Finnish households are investing in record numbers. According to fresh data from Statistics Finland, more than 2.02 million people owned either listed shares or investment fund units at the end of 2024, representing 36.7 percent of the resident population. The figure is up by about 82,000 from 2023, continuing a steady upward trend over the past decade.
Fund ownership remains the dominant entry point, with 30.3 percent of Finns holding units in investment funds. The gender gap is nearly nonexistent here, with men (30.6 percent) and women (30.0 percent) equally active. Direct shareholding is less common but growing, with 16.7 percent of the population now owning listed equities — a rise driven in part by the 2020 introduction of equity savings accounts.
Ownership is most prevalent among 35–44 year-olds, where more than 42 percent hold stocks or funds. Younger groups remain less engaged, though nearly a third of 16–24 year-olds are already investors. At the other end of the spectrum, the highest median holdings are found among those aged 75 and above, at €20,100.
While the median value of portfolios across all owners was about €6,000, the distribution remains highly uneven. A quarter of investors hold less than €1,150, while another quarter exceed €23,000. At the very top, 10 percent of investors control portfolios worth more than €73,600, with men more likely to fall into this category. Male investors’ average holdings stood at €51,200, compared with €30,700 for women.
The data also confirm that investing is no longer a niche activity. In 2013, only a quarter of Finns owned shares or funds; by 2024, that figure has risen to more than a third. With households increasingly shifting from debt accumulation to saving and investing, equity and fund ownership is likely to remain a cornerstone of Finnish wealth building.
Source: Statistics Finland, Household wealth 2024 – 2 million people owned listed shares or investment funds in 2024, 17 Sept 2025
