Property wealth dominates UK households

UK households have 40% of their total wealth tied up in property, according to the Office for National Statistics (ONS). This contrasts with the US, where property accounts for about 20% of household wealth. Marianna Hunt from Fidelity International noted that UK house prices have fallen in real terms over the past few years. The illiquid nature of property limits spending, while Americans benefit from stock market investments. The Smarter with Money campaign advocates for changes to pension contributions to enhance retirement savings and improve financial confidence in the UK. 

The Times (14/02/2026)