Everything, all at once
Increasingly, affluent and high-net-worth investors are leading a non-linear life. They're managing several life stages at the same time, such as the usual retirement and life transitions. But now, they also include reinventing themselves.
Explore our articles on how non-linear lives are changing modern wealth planning, and the way families support their future generations.
Key findings on modern wealth
- Non-linear wealth planning71% are not planning for a linear financial future.
- Funding multiple life stages at onceOn average, investors are funding up to 3 life stages at the same time.
- Funding a new chapter, a new me52% are funding personal or professional reinvention.
- Keeping retirement options open77% expect to retire gradually or flexibly.
- Raising retirement savings targetsOn average, retirement savings targets have risen 20% to USD1.26 million.
- Needing adaptable wealth solutions82% want wealth solutions that can adapt as their lives change.
- Supporting the next generation and beyond92% are providing meaningful support to future generations during their lifetimes.
- Planning with longer lives in mind91% say that longevity is reshaping their legacy planning.
Explore our articles
These articles look at different but connected aspects of modern wealth planning.
Together, they show why wealth planning needs to balance life today, later security and future opportunities.
Reinventing wealth for longer, less predictable lives
Family capital: investing in future generations
When you need to plan for the full picture, we're there
Modern wealth needs to support your ambitions today, build confidence for later life, and create opportunity for the generations to come.
When your priorities overlap, your wealth planning needs to move with you. And we're there to help.
Our methodology
The findings are based on an online survey of 9,993 affluent and high-net-worth (HNW) respondents across 10 markets: mainland China, Hong Kong SAR, India, Malaysia, Mexico, Singapore, Taiwan, the United Arab Emirates, the United Kingdom and the United States.
Fieldwork was conducted from 6 January to 6 February 2026. Respondents were aged 21 to 69, made financial decisions for themselves and had either:
- At least USD100,000 in investable assets for the affluent segment
- At least USD2 million in investable assets for the HNW segment
The survey used representative access panels with quotas for age, gender and asset levels in each market. The final data was weighted to represent the affluent and HNW population in each market.