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  5. > Wealth in the Netherlands: Sizing the Market Opportunity, Canadean Ltd

Summary
The Dutch retail savings and investments market is dominated by deposits, which account for over three quarters of the total market. The Dutch retail savings and investments market has long been plagued by slow growth due to the stagnant economy but is now set to pick up speed - fueled by GDP growth and the continuing recovery of the property market.

Key Findings
- In 2015, 74.1% of the country's total liquid assets were held by affluent individuals. Total affluent assets are expected to continue to grow over the next five years to reach $530bn by 2019. The proportion of wealth held by affluent individuals is expected to remain stable at around 74%.

- The savings and investments market is dominated by deposits, which account for over three quarters of the total retail savings and investments market. Mutual funds are second with a 14% share of the market.

- Mutual funds and equities are expected to perform particularly well going forward, while the low interest rate environment will continue to suppress the retail bond market.

- Dutch HNW individuals hold 11.5% of their investments in alternative, commodity, or property investments. Property investment is the largest investment type outside the traditional asset classes.

- In the Netherlands, 14% of HNW individuals' total portfolios is held offshore, with leading destination Luxembourg absorbing 60% of total HNW offshore bookings. The main drivers for offshore investment are better investment returns and access to a better range of investment options.

Synopsis
Verdict Financial's “Wealth in the Netherlands: Sizing the Market Opportunity” analyzes the Dutch wealth and retail savings and investments markets, with a focus on the HNW segment. The report is based on our proprietary datasets.

Specifically the report:

- Sizes the affluent market (both by the number of individuals and value of their liquid assets) using our proprietary datasets.

- Analyzes which asset classes are favored by Dutch investors and how their preferences impact the growth of the total savings and investments market.

- Examines HNW clients' attitudes towards non-liquid investments such as property and commodities.

- Identifies key drivers and booking centers for offshore investments.

Reasons To Buy
- Benchmark your share of the Dutch wealth market against the current market size.

- Forecast your future growth prospects using our projections for the market to 2019.

- Identify your most promising client segment by analyzing penetration of affluent individuals in the Netherlands - both at a country and regional level.

- Review your offshore strategy by learning HNW motivations for offshore investments and their preferred booking centers.

Table Of Contents

Wealth in the Netherlands: Sizing the Market Opportunity, Canadean Ltd
Table of Contents
EXECUTIVE SUMMARY
Key findings
Critical success factors
SIZING AND FORECASTING THE DUTCH WEALTH MARKET
Affluent individuals accounted for 17.8% of the total adult population in 2014
Growth in the number of wealthy individuals reflects the broader economic recovery
Dutch affluent individuals held $457.1bn in liquid assets at the end of 2015
DRIVERS OF GROWTH IN THE DUTCH WEALTH MARKET
The strong focus on deposits limits growth potential
Looking forward to 2019, mutual funds will record the strongest growth
Deposits will continue to perform strongly, in line with GDP
GDP growth is back on track
Inflation remains low
Equities and mutual funds are expected to fare well in line with the stock market
The Dutch stock market continues on a growth trajectory
HNW INVESTMENT PREFERENCES
Dutch HNW individuals allocate 11.5% of their investible assets outside traditional investments
Property investments account for 7.9% of total HNW portfolios
Dutch HNW individuals hold almost 14% of their wealth offshore
Wealth managers looking to access the flow of wealth offshore need to offer broad investment options
Luxembourg is the leading destination for Dutch HNW offshore wealth
APPENDIX
Abbreviations and acronyms
Supplementary data
Definitions
Affluent
Domicile
DTA
FATCA
HNW
Liquid assets
Mass affluent
Onshore
Residency
TIEAs
Methodology
Verdict Financial's 2015 Global Wealth Managers Survey
Global Wealth Model methodology
Global Retail Investments Analytics methodology
Bibliography
Further reading
About Verdict Financial
Disclaimer

List of Tables
Table 1: Taxable income rates for 2016
Table 2: Dutch onshore liquid assets by asset band ($bn), 2011-15
Table 3: Dutch onshore liquid assets by asset band ($bn), 2016e-19f
Table 4: Total Dutch adult population by asset band (000s), 2011-15
Table 5: Total Dutch adult population by asset band (000s), 2016e-19f
Table 6: Euro to US dollar exchange rate, December 31, 2014 and December 31, 2015

List of Figures
Figure 1: 17.8% of the Dutch population was affluent as of the end of 2015
Figure 2: The mass affluent hold over half of Dutch wealth
Figure 3: The Dutch retail savings and investments market is set for stable growth
Figure 4: Total liquid wealth will reach $663.2bn by 2019
Figure 5: Mutual funds will be the fastest-growing asset class up to 2019
Figure 6: Deposits will see moderate growth up to 2019
Figure 7: Retail bonds are declining as interest rates remain low
Figure 8: Mutual funds growth and equity growth will converge
Figure 9: The AEX Index has performed steadily in recent years
Figure 10: Alternatives account for 11.5% of the total Dutch HNW portfolio
Figure 11: Dutch HNW individuals hold almost 14% of their liquid wealth offshore
Figure 12: Better investment opportunities drive Dutch offshore investments
Figure 13: Dutch investors book most of their offshore investments in Luxembourg
Figure 14: The Netherlands has signed DTAs or TIEAs with most countries globally

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