What's the difference between being rich and actually prospering?

Zeroing in on which countries prosper and share wealth among citizens — and which don't — is the goal of an annual study just released by the Legatum Institute, a London-based organization that researches how people, groups and nations move from poverty to prosperity.

The study examined 149 countries around the globe across nine broad factors: economic opportunities and growth, business environment, effective government with political participation, access to education, quality health care, national security and personal safety, personal freedoms, social support and civic participation and investment in natural resources.

Surprise, surprise: America isn't great at sharing the wealth it has among its people. The United States, which came in 17th in this year's index, has been dropping in rank over the past decade both for economic reasons and because of challenges to security and safety.

Still, the U.S. nails one category: We rank at the top of the list for entrepreneurial environment, business infrastructure and low barriers to innovation.

Across the globe, people are healthier, better educated and living under better governments within healthier economies than ever before. The index shows global prosperity is up three percentage points from 2007 — to its highest point in a decade.

Here are the top 10 most prosperous places to live.

10. United Kingdom

Life has improved for folks in the U.K. over the past decade. Individual prosperity has gone up, even without a significant change in the country's wealth.

Big Ben and Westminster Bridge in, London, United Kingdom anshar/Shutterstock

The Commonwealth nations — particularly the English-speaking countries like the U.K., Canada, Australia and New Zealand — do better than any comparable bloc of nations including Nordic nations or Western Europe.

The U.K. is really good at generating prosperity — third in the world.

But the nation still has a tough time sharing its wealth, health and educational well-being equally among its people. This is a failing that kept other big economies, like Germany and the United States, out of the top 10.

9. Denmark

For national security and personal safety, Denmark ranks in the top five nations in the index.

Nyhavn Pier in Copehnagen, Denmark Scanrail1/Shutterstock

Economic opportunity in Denmark also earns high marks, and so does its governance, political participation and the strength of its social networks and social support. But the nation's health care lags behind other European countries, the lowest scoring among the top 10 countries.

8. Sweden

Sweden is a wealthy country, with the third best rank for economy and economic opportunities on the index, following New Zealand and the Netherlands.

Stockholm, Sweden. dimbar76/Shutterstock

The country ranks 5th for effective governance, democracy and political participation and 6th in the world for its access to and quality of health care.

7. Netherlands

The Netherlands has the second best-ranking economy in the index behind New Zealand. It also comes in second, behind Switzerland, for access to and quality of education.

Amsterdam in the Netherlands. Standret/Shutterstock

The country has slightly lower scores on business environment and safety.

6. Australia

Australia and New Zealand, which have long been on par on this index, have diverged in the past six years.

Like New Zealand, Australia still ranks among the highest in the world for strength of social relationships and social support.

Melbourne, Australia. Gordon Bell/Shutterstock

But — while New Zealand has been improving business competition — Australia's competitiveness has been declining.

The two countries have been going in opposite directions in the flexibility of labor markets, transparency and effectiveness of governments, and independence of judges.

In fact, Australia is the only country in the top 20 that has had a prosperity decline over the past decade: That's primarily because of lessening economic openness and an increasing threat of terror.

Still, taken together with its other Commonwealth countries, Australia offers a level of opportunity higher than that found in most of the rest of the world.

5. Canada

As one of the Commonwealth countries, Canada has consistently done well on the prosperity index, thanks to a strong and flexible labor market, which has improved its business environment — pushing it up to third in the world, behind the United States and New Zealand.

Vancouver, Canada. Dan Breckwoldt/Shutterstock

Its good governance and emphasis on personal freedom and social supports remain among the three best in the world.

"Free markets, free people, and a strong society are increasingly the cause of Canada's prosperity success," according to the report.

This year, however, Canada slipped in both access and quality of health care and education.

If Canadian prosperity remains sluggish, large gains by countries now ranked below it will move up: Finland has already overtaken Canada, and the U.K. is rapidly catching up.

4. Switzerland

Switzerland has the best education ranking on the index. It comes in number three for accessibility and quality of its health care and number four for its economic opportunities and strong economy.

The town of Brienz on Lake Brienz by Interlaken, Switzerland Boris Stroujko/Shutterstock

Switzerland's lowest marks come in personal freedoms and social tolerance, but its ranking is on par with Western Europe, which still outperforms much of the world.

3. Finland

Finland was ranked as having the most effective government, with an emphasis on democracy and political participation, in the world. The nation also gets high marks for environmental measures and preservation of natural places: It is second only to Slovenia, which is number one for environmental protections.

Old Town in Helsinki, Finland. Scanrail1/Shutterstock

Even though wealth is behind 2007 levels, Finland has still seen prosperity levels grow over the past decade because of improvements to education, expansions of personal freedoms, and robust social support systems.

2. Norway

Norway was not hit as hard by the recession as other countries in Europe, and that has had a positive effect on its prosperity.

The city of Bergen in Norway. lsantilli/Shutterstock

Europe has long been an established center for wealthy and healthy living, and Norway leads the European countries that make up 15 of the top 20 nations in the world.

Norway gets strong marks for governance, democracy and political participation, ranking third overall in these areas. It comes in fifth for education and environmental protection and sixth for safety and security, as well as for social supports for its people.

1. New Zealand

New Zealand's first place slot in the Prosperity Index is not because of raw wealth. It actually comes in above 26 countries that have greater wealth.

The Wellington Cable Car in New Zealand. Victor Maschek/Shutterstock

What really pushes New Zealand ahead is strong social networks: 99% of New Zealanders say they have relatives or friends to count on.

The country also has high levels of personal freedoms and social tolerance — plus an open trading economy that has helped keep it at the top.