How do the wealthy invest today, and what can we learn from them?
While there is no single approach, there are lessons to be learned from how high-net-worth (HNW) investors manage their wealth and transfer it to future generations. From traditional stocks and bonds to commercial property and other alternative investments, how the wealthy invest — particularly during uncertain economic times — can provide lessons in not just preserving wealth but growing it.
Currently, 62 percent of wealthy investors are baby boomers, with Generation X at 20 percent and millennials and the silent generation at 9 percent each, according to a 2022 report by Bank of America on wealthy Americans with more than $3 million in investible assets.
There is no single investment approach among the rich, but some generalities do apply. Historically, HNW investors have allocated around 50 percent of their assets to stocks, 20 percent to bonds, 25 percent to alternatives and 5 percent