Wealth Structuring
HNWI
A high-net-worth individual (HNWI) is conventionally an individual holding at least USD 1 million in investable assets, excluding a primary residence. Ultra-high-net-worth (UHNWI) commonly denotes USD 30 million or more. Both are industry conventions rather than legal definitions, and thresholds differ between institutions.
Why it matters
Because HNWI is a market convention and not a statutory category, it carries no regulatory meaning on its own. Where a legal threshold does apply — for example, in eligibility for professional-client or accredited-investor treatment — the operative definition is the regulator's, not the industry's, and it varies by jurisdiction.
— Growth Capital Advisory Team
Also known as
high net worth individual · high-net-worth individual · UHNWI · ultra high net worth
Related terms
Reference
Where this fits
Growth Capital publishes jurisdiction-by-jurisdiction analysis of what applies when residence changes — covering the UK, United States, Canada, Australia and the UAE.
Read the analysisDisclaimer. This definition is provided for general reference and does not constitute tax, legal, or financial advice. Rules and thresholds change, and individual circumstances vary significantly. Consult a qualified adviser before acting on it.