Financial literacy in Switzerland 2025
A comprehensive study on the financial and investment literacy of the Swiss population.
The 2025 report
Now in its second edition, the True Wealth Financial Literacy Index measures the financial and investment knowledge of the Swiss population. At a time of demographic and economic challenges, financial education is becoming increasingly relevant – not only for individual retirement planning, but also for the long-term stability of our social and pension systems. That is why basic financial literacy is more than ever a key social resource.
The index is based on the evaluation of key areas of knowledge such as inflation, understanding of interest rate mechanisms, diversification, and risk-return relationships. It allows for a differentiated analysis of financial knowledge by age, gender, educational level, income level, and region. This provides a unique tool that makes developments measurable – and highlights the need for action.
There is a clear positive correlation between gross monthly income and financial literacy: people with higher incomes answer financial questions correctly significantly more often and have more in-depth knowledge of money and investment topics.
Dr. Michael Jan Kendzia
Economist and Head of the BSc International Management program at the ZHAW School of Management and Law
The 2025 report
Financial literacy index of 5.4
On average, 5.43 out of 10 questions were answered correctly, corresponding to a True Wealth Financial Literacy Index of 5.43. This result provides insights into the general level of financial literacy in Switzerland.
Methodology and scientific support
The 2025 Financial Literacy Study is based on a representative sample of 2'043 individuals. The study was conducted by the market research institute GfK on behalf of True Wealth. Dr. Michael J. Kendzia provided scientific support for the study.
Age group
In order to cover a broad and relevant age group, people aged between 16 and 74 were surveyed for the study.
Regional distribution
The study participants come from both German-speaking and French-speaking Switzerland.
Key findings 2025
The gender gap persists
The results of the current survey once again confirm significant gender-specific differences in financial knowledge. On average, male participants answered around 63% (or 6.3 out of 10 questions) correctly, while the corresponding figure for female participants was just under 46%. On average, men performed better than women on all ten questions.
Share of correct answers by gender
Financial literacy remains stable across generations
The overall evaluation shows no significant correlation between the age of the respondents and their level of financial literacy. Across all age groups, the average percentage of questions answered correctly is around 54%.
Share of correct answers by age group
Clear link between income and financial literacy
The analysis shows a clear correlation between gross monthly income and the level of financial literacy: As income rises, the average number of questions answered correctly increases significantly. People with an income of over 15'000 Swiss francs achieved an average success rate of just under 69%, while participants with an income of less than 4'500 Swiss francs were only able to answer around 41% of the questions correctly.
Share of correct answers by household income
Is financial literacy a matter of education?
The study on the Financial Literacy Index 2025 is based on a representative sample of 2'043 people and was conducted by GfK on behalf of True Wealth.
With educational content, True Wealth enables everyone in Switzerland to engage with investment topics in a low-threshold manner. The knowledge imparted helps people make better financial decisions. Children and young people also benefit from corresponding investment offers.
Those interested in the topic have the opportunity to gain initial experience with a free trial account—without obligation and without risk.
Compare yourself to the Swiss average
How good is your financial expertise? Test your financial and investment knowledge anonymously.
Does income determine our financial literacy?
Who falls behind in financial knowledge, who wins? Read the report on the Swiss Financial Literacy Index 2025.
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