Where Do Rich People Keep Their Money in 2025?

High-net-worth individuals often rely on discreet, diversified holdings that go far beyond traditional savings accounts. So, where do rich people keep their money exactly? In this article, we look at the latest data and insights on where the wealthy choose to invest and store their wealth. From asset allocation trends to the types of investments they favor, here’s what you need to know.

Where do rich people keep their money? Here’s what the latest reports show

Where do rich people keep their money? We all have different ideas about how high-net-worth individuals invest their money. But what do the reports actually show? Long Angle’s 2025 annual asset allocation report, based on data from 5000 members, breaks it down:

• Public equities: 47%
• Real estate: 17%
• Private companies: 15%
• Alternatives: 8%
• Cash and equivalents: 8%
• Bonds and lending: 5%

Let’s break down each asset class and see where the money really goes.

Source: Long Angel, 2025

Public equities

Public equities are still the most common asset class among high-net-worth individuals, according to Long Angle’s 2025 report. However, the proportion of equities tends to decrease as total wealth increases. Individuals with a net worth between one and five million dollars hold the highest equity exposure at 62%, while those with more than 25 million allocate only 38% to public stocks.

Real estate

Real estate is the second most common asset among the wealthy, and for good reason. The report shows that 81% own a primary residence, while 30% have rental properties. Real estate offers income, stability, and long-term value. It is also a popular way to diversify away from financial markets.

Looking for ideas? Check out these articles on real estate investing:

• Real estate market in Budapest: trends for 2024-2025
• Real estate investment in Hungary
• Why should you buy an apartment in Budapest?

Private companies

Private businesses make up about 15% of the average portfolio. And this share tends to rise with both net worth and investor age. Wealthier individuals – and especially younger ones -are more likely to invest in private equity, venture capital, and direct business ownership. These investments come with more risk but also more control and potential growth.

Alternative assets

Alternative assets, like crypto and collectibles, account for around 8 percent of the average portfolio. Crypto is especially popular with younger investors, who tend to be more open to digital assets and emerging financial tools.

“While 52% of investors under 35 hold crypto with an average allocation of 9%, older investors have near-zero exposure, signaling a clear shift in risk tolerance and digital asset adoption among younger high-net-worth individuals.”

Learn more about crypto taxes in Hungary!

Cash and equivalents

Cash makes up 8% of the average portfolio. Older investors often hold more in cash or cash-like assets, leaning on them for flexibility and capital preservation, especially when markets get choppy.

Bonds and lending

Bonds are not a big part of most wealthy investors’ portfolios. Even conservative strategies rarely put more than 10% into fixed-income assets. With relatively low returns in recent years, bonds just have not been as attractive as other options.

FAQ

How do rich people invest their money?

The most popular assets among wealthy individuals are public equities, real estate, and private companies.

Where do the rich hide their money?

While “hiding” is not quite the right term, high-net-worth individuals do value privacy. Investment vehicles like venture capital and private equity funds often provide an extra layer of discretion and confidentiality. For example, Hungarian investment funds offer tailored options for investors seeking both growth and privacy.

How much money do rich people keep in the bank?

According to the Long Angle report, wealthy individuals generally hold a smaller portion of their wealth in cash. Keeping too much cash means missing out on potential returns, so many prefer to keep their money invested to maximize growth.

Crystal Worldwide Group: professional assistance for high-net-worth individuals

Crystal Worldwide Group is an international law firm which is specialized in residency by investment, tax planning and wealth protection. During our more than thirty years in operation, we have managed to earn the respect and trust of our clients by offering professionally sound and lawful immigration solutions, tax savings and wealth protection, together with fast and timely services provided at the highest level of discretion.

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