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How Do High Net Worth Individuals Invest? — PillarWM

To get to the two-comma club, you need to do things differently from everyone else. Various industry experts who have spent years understanding how high net worth individuals spend their money have found that the rich also spend their money differently from everyone else. They have different habits that enable them to build wealth very quickly.

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7 Secrets To High Net Worth Investment Management, Estate, Tax and Financial Planning

The insights you’ll discover from our published book will help you integrate a variety of wealth management tools with financial planning, providing guidance for your future security alongside complex financial strategies, so your human and financial capital will both flourish.

Clients frequently share with us how the knowledge gained from this book helped provide them tremendous clarity, shattering industry-pitched ideologies, while offering insight and direction in making such important financial decisions.

That said, where do high-net-worth individuals invest their money? Well, for starters, many of these individuals spend a great deal of their time working with professionals who help them with wealth management and investment strategies. At Pillar Wealth Management, we specialize in the same thing. We are experts in providing these services to investors who have between $5 million to $500 million in liquid assets. If you’re an investor with $5 million or more, you can learn more about ultra-high-worth investment strategies by requesting a copy of our book 7 Secrets To High Net Worth Investment Management, Estate, Tax, and Financial Planning.

Table of Contents
They Make “Non-Investment” Investments
What Do High Net Worth Investors Do: Productive Habits of Rich Individuals
Why Should You Choose Pillar Wealth Management?

They Make “Non-Investment” Investments

The thing is, this is one of the lesser-known areas where high-net-worth individuals spend their money, due to the fact that they know something that most people don’t: to build wealth, you have to do a lot more than merely invest money in the stock market. While being an entrepreneur or taking a risk to launch a startup may help, it’s also about investing in yourself. To know how you can grow as an investor, set up a meeting with a wealth manager at Pillar Wealth Management to learn more about high net worth and ultra-high net worth.

However, what investment should you choose if you have a high net worth? Start by making a few non-financial investments.

Accelerated Learning

Many high-net-worth individuals invest a lot of their time and money in reading. They learn about people who inspire them differently and have a unique perspective to share about a situation. Reading is an inexpensive yet smart way to utilize your free time to improve your knowledge about wealth management, which you should be familiar with. If reading a few hours a week can help you get richer, why wouldn’t you read?

That said, there are other ways you can learn more about wealth management solutions. You can also opt for online courses or certifications that can help take your career and net worth to the next level. High net worth individuals also attend conferences that help them acquire new skills. If you’re a high-net-worth individual with $5 million or more, you can learn more about some essential wealth growth strategies by reading our guide on the same.


Investment coaching and personal coaching are other smart investments that several high-net-worth individuals make, which helps them reach their potential. These personal coaches help high-net-worth individuals set clearer goals and enable them to maximize their impact on their business. At times, these coaching sessions can be life-changing, and they can also help increase your business’s revenue.

They Build Relationships

“It’s not always what you know, but who you know.

Knowing the right person for the job can go a long way when you’re trying to build a business from the ground up. Whether you do it through a Zoom meeting or a physical training session you attend, having the right connection can help you land your dream job, start a profitable business, or accelerate a pending promotion.

That said, you shouldn’t put all of your focus on a cheesy networking event that’s all noise and no show. To get the most value out of your networking efforts, try to meet investment groups and membership communities with skilled investors who may have started just like you. This strategy is beneficial and has worked for many other investors since it helps them build a relationship with an investor they admire.

However, there’s a catch. When you meet someone whom you think can help you grow as a person and grow your business, you can’t start asking for favors right off the bat. First, provide them with value, and then ask for a favor. Clarify how you can contribute to their business before asking them to contribute to yours.

In other words, ensure you’re doing your share to make the collaboration a win-win for everyone. To know more about how you can benefit from various investment management techniques, consider reading our special guide for investors with $5 million or more.

How do high net worth individuals invest

What Do High Net Worth Investors Do: Productive Habits of Rich Individuals

●       They Question Themselves

High net worth investors surround themselves with people who consistently question what they believe. Getting rich and building a fortune is all about critical thinking. However, if you’re surrounded by people who constantly reaffirm your way of leading life, you’re never going to find the opportunity to think out of the box. That said, this is easier said than done. As humans, we love the comfort zone, and most people only think as creatively as labels or filters allow. In this case, a wealth manager can also be one of those individuals.

With help from a wealth manager, you can create budgeting strategies that help you increase your savings to reach your retirement goal early. Why retire at a fixed age when you can control how much you save? The wealth managers at Pillar Wealth Management can advise you to invest in safe assets that establishes a secondary income source. Set up a video meeting with them today to know more about how our wealth managers can help you with retirement planning.

●       They Live in the Future

High-net-worth individuals can’t predict the future; they are ordinary individuals. The one thing that does make them different is that they are constantly trying to forecast future investment trends. Many entrepreneurs who have made millions for themselves and their companies follow the same approach. They knew what their target market would want even before there was sizeable demand for their product.

When you’re trying to accumulate wealth, one daily habit you can follow is forecasting the challenges the future may bring.

●       They Keep Life Simple

A high-net-worth individual has to make many important decisions almost every day. Sometimes, these decisions mean risking thousands, if not millions of dollars. That said, the human brain isn’t capable of performing at its optimal capacity throughout the day. Wealthy people know this, and they work tirelessly to simplify their daily routine. They eliminate mundane decisions that take up their brain’s thinking capacity and utilize their intellect for more effective decisions. This means, secondary decisions such as taking out the trash, what to eat, or what to wear never take up a lot of their time.

Start making these small changes, and you’re soon going to see an avalanche of success. A wealth manager can help you in this case, too. They use their knowledge to manage your investment portfolio, which takes an additional decision-making responsibility off your shoulders. This keeps your investment options balanced while also managing risks effectively. We discuss some of these investment strategies in a specific guide we’ve created for managers with $5 million or more.

●       They Know How to Utilize Debt

A high-net-worth individual understands that debt is a tool they need to leverage to their advantage. Essentially, they use the loan they’ve taken on to invest in an asset that has the potential for a greater return. When the asset grows in value, not only can they pay off their loan, but they can also make money.

This could also be a company willing to give you a hefty loan to buy a house. This approach benefits you and the company you work for. Not only does this give you a guaranteed income source for retirement (you can rent the house for income), but this also gives the company a dedicated employee who is willing to pay off the loan through their salary. Set up a video meeting with our wealth managers today to know more about how our wealth managers can help you with retirement planning.

●       High Net Worth Individuals Manage their Money

A high-net-worth individual has gotten to where they are because they know how to manage their finances. This means that they invest wisely, constantly look for additional opportunities, and then set aside money for an emergency fund. They are also increasingly generous and are willing to donate to people who need the money and can use it productively.

You can also start off by putting aside money in the bank for a year’s worth of expenses, which can be life-saving if your business fails. Then, use your emergency fund to re-establish the foundations of your business, and since you’re going about the process for a second time, it’s going to be much simpler to deal with the technicalities. Moreover, you’re going to make fewer mistakes.

Remember, luck is what happens when preparation meets opportunity. That’s why the most successful people are always preparing and are often deemed to be “lucky.” With the help of a wealth manager, you can understand where high-net-worth individuals invest their money. A wealth manager can also set up a trust fund for you to keep your wealth safe for your beneficiaries. To learn more about the different wealth protection strategies you can use, request a free copy of our book The Art of Protecting Ultra-High Net Worth Portfolios and Estates – Strategies For Families Worth $25 Million To $500 Million.

●       They Have Dedicated Investment Rules

Since high-net-worth individuals are always looking for new investments, they have set rules to follow to ensure their deals are carried out smoothly. This deal could be through a broker or a different high net worth individual. Those rules can be the 100, 20, 5, 1 rule. This means that you look at 100 different investment options. Once you’ve analyzed the deals at your disposal, you shortlist 20 deals that seem interesting.

You then pick five investment opportunities out of the 20, and when you finally pick one from the last five, you’re shortlisted. This process allows you to turn down most of the investments options that come your way, which improves the quality of the investments you do make. To learn about more rules like these, you set up a video meeting to learn more about Pillar Wealth Management.

Why Should You Choose Pillar Wealth Management?

High net worth individuals often choose to work with Pillar Wealth Management because of the skill of our wealth management experts. These individuals have approximately six decades of experience and are familiar with every challenge you could face in your journey towards a safe future. We discuss some of these challenges in a special guide we’ve created for investors with $10 million or more.

Our wealth managers take the time to understand your goals and your financial history to ensure they define objectives tailored to your portfolio. To know more about how we can help you, set up an introductory meeting with us today to start achieving your financial goals.


To be 100% transparent, we published this page to help filter through the mass influx of prospects, who come to us through our website and referrals, to gain only a handful of the right types of new clients who wish to engage us.

We enjoy working with high net worth and ultra-high net worth investors and families who want what we call financial serenity – the feeling that comes when you know your finances and the lifestyle you desire have been secured for life, and that you don’t have to do any of the work to manage and maintain it because you hired a trusted advisor to take care of everything.

You see, our goal is to only accept 17 new clients this year. Clients who have from $5 million to $500 million in liquid investable assets to entrust us with on a 100% fee basis. No commissions and no products for sale.

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