How Liquid Is Your Country’s Wealth?

Liquid assets as a percentage of personal wealth provide an important measure of how much of a country’s wealth can be quickly accessed or converted into cash. Since 2011, most countries have seen the share of wealth held in liquid assets increase relative to non-liquid assets. In the U.S., liquid assets account for roughly 47% of personal wealth, followed closely by Australia at 45%. This highlights the greater role that cash, equities, and other easily accessible assets play in household wealth. By contrast, countries such as Italy and Germany hold a much larger share of their wealth in non-liquid assets, with only about 23%–24% of total wealth held in liquid assets. 

Source: UBS Global Wealth Report 2026

This graph was produced by Lucas Juery, CFA, CFPⓇ and is not intended to provide financial advice.