Overview

• 43% of surveyed HNIs save less than 20% of their post-tax income, with half of those aged 30–45 in the same bracket.
• Nearly 40% carry at least one active loan while 14% report having no emergency fund, heightening their financial vulnerability.
• Over half allocate more than 20% of their wealth to real estate beyond their primary residence, compared with just a third investing similarly in equities.
• Although 87% rely on external financial advisors, two-thirds express dissatisfaction with undifferentiated, commission-driven recommendations.
• Eighty-two percent believe professional financial planning could better align their portfolios with goals, underscoring demand for tailored advice.