HSBC Affluent Investor Snapshot 2025: $1.05 Million Average Savings Needed for Retirement, 4.2 Average Financial Product Type Ownership, Top 5 Investment Holdings are Stocks, Managed Investments (Mutual Funds, Unit Trusts, ETFs), Time Deposits, Local Property, Bonds, 2025 Asset Allocation – Cash & Cash Equivalents 20%, Fixed Income 14%, Equities 14%, Real Estate 11%, Gold 11%, Cryptocurrencies 7%, Alternatives 6%, REITs 6%, Commodities 4%, Others 7%, Top 3 Markets for Overseas Investment Account are United States, Singapore, Hong Kong, Top 3 Factors Impacting Investment Behaviour are Cost of Living, Global Uncertainty, Economic Uncertainty
17th July | Hong Kong
HSBC has released the HSBC Affluent Investor Snapshot 2025, providing key insights on affluent investors asset allocation, investments & financial goals (10,797 investors with investible assets from $100k to $2 million). Top 3 Factors impacting investment behaviour – Cost of Living, Global Uncertainty, Economic Uncertainty. Average Financial Product Type Ownership – 4.2. Top 10 Investment Holdings – Stocks, Managed Investments (Mutual Funds, Unit Trusts, ETFs), Time Deposits, Local Property, Bonds, Alternatives, Managed Solutions (Discretionary, Multi-Asset), Physical Gold, Investment-Linked Insurance, Fully Guaranteed Savings Insurance. Top 5 New products to add to portfolio in next 12 months – Digital Gold, Multi-Asset Solutions, Private Market Funds, Mutual Funds / Unit Trusts, Hedge Funds. 2025 Asset Allocation – Cash & Cash Equivalents 20%, Fixed Income 14%, Equities 14%, Real Estate 11%, Gold 11%, Cryptocurrencies 7%, Alternatives 6%, REITs 6%, Commodities 4%, Others 7%. Investment in overseas market in next 12 months – 42%. Top 3 markets for investment in next 12 months – United States, European Union, APAC. Top 3 markets for overseas investment account – United States, Singapore, Hong Kong. Top 5 Information Collection Channels – Social Platforms 40%, Bank Digital Channels 39%, Non-Bank Digital Channels 36%, Wealth / Financial Specialists / Bank Relationship Managers 33%, Online Videos / Podcasts 32%. Top Person for investment & wealth management decisions – Wealth / Financial Specialists / Bank Relationship Managers 64%. Average Savings needed for retirement – $1.05 million. Average Savings needed for retirement United States – $1.57 million. Average Savings needed for retirement United Kingdom – $1.13 million. Average Savings needed for retirement Hong Kong – $1.11 million. Average Savings needed for retirement Singapore – $1.39 million. Average Savings needed for retirement UAE – $1.17 million. Average Savings needed for retirement Australia – $1.23 million. Average Savings needed for retirement China – $1.09 million. Average Savings needed for retirement India – $401,000. Average Savings needed for retirement Taiwan – $1.02 million. Average Savings needed for retirement Malaysia – $986,000. Average Savings needed for retirement Indonesia – $656,000. Top Financial Goal for Gen Z (Age 21 to 28) – Savings for vacation or leisure. Top Financial Goal for Millennials (Age 29 to 44) – Savings for vacation or leisure. Top Financial Goal for Gen X (Age 45 to 60) – Preparing for retirement. Top Financial Goal for Baby Boomers (Age 61 to 29) – Savings for vacation or leisure. See below for key findings & summary | View report here
“ HSBC Affluent Investor Snapshot 2025: $1.05 Million Average Savings Needed for Retirement, 4.2 Average Financial Product Type Ownership, Top 5 Investment Holdings are Stocks, Managed Investments (Mutual Funds, Unit Trusts, ETFs), Time Deposits, Local Property, Bonds, 2025 Asset Allocation – Cash & Cash Equivalents 20%, Fixed Income 14%, Equities 14%, Real Estate 11%, Gold 11%, Cryptocurrencies 7%, Alternatives 6%, REITs 6%, Commodities 4%, Others 7%, Top 3 Markets for Overseas Investment Account are United States, Singapore, Hong Kong, Top 3 Factors Impacting Investment Behaviour are Cost of Living, Global Uncertainty, Economic Uncertainty “
HSBC Affluent Investor Snapshot 2025: $1.05 Million Average Savings Needed for Retirement, 4.2 Average Financial Product Type Ownership, Top 5 Investment Holdings are Stocks, Managed Investments (Mutual Funds, Unit Trusts, ETFs), Time Deposits, Local Property, Bonds, 2025 Asset Allocation – Cash & Cash Equivalents 20%, Fixed Income 14%, Equities 14%, Real Estate 11%, Gold 11%, Cryptocurrencies 7%, Alternatives 6%, REITs 6%, Commodities 4%, Others 7%, Top 3 Markets for Overseas Investment Account are United States, Singapore, Hong Kong, Top 3 Factors Impacting Investment Behaviour are Cost of Living, Global Uncertainty, Economic Uncertainty
HSBC has released the HSBC Affluent Investor Snapshot 2025, providing key insights on affluent investors asset allocation, investments & financial goals (10,797 investors with investible assets from $100k to $2 million). See below for key findings & summary | View report here
HSBC Affluent Investor Snapshot 202
Summary
- Affluent Investors – 10,797
- Investible Assets – $100k to $2 million
- Top 3 Factors impacting investment behaviour – Cost of Living, Global Uncertainty, Economic Uncertainty
- Average Financial Product Type Ownership – 4.2
- Top 10 Investment Holdings – Stocks, Managed Investments (Mutual Funds, Unit Trusts, ETFs), Time Deposits, Local Property, Bonds, Alternatives, Managed Solutions (Discretionary, Multi-Asset), Physical Gold, Investment-Linked Insurance, Fully Guaranteed Savings Insurance
- Top 5 New products to add to portfolio in next 12 months – Digital Gold, Multi-Asset Solutions, Private Market Funds, Mutual Funds / Unit Trusts, Hedge Funds
- 2025 Asset Allocation – Cash & Cash Equivalents 20%, Fixed Income 14%, Equities 14%, Real Estate 11%, Gold 11%, Cryptocurrencies 7%, Alternatives 6%, REITs 6%, Commodities 4%, Others 7%
- Investment in overseas market in next 12 months – 42%
- Top 3 markets for investment in next 12 months – United States, European Union, APAC
- Top 3 markets for overseas investment account – United States, Singapore, Hong Kong
- Top 5 Information Collection Channels – Social Platforms 40%, Bank Digital Channels 39%, Non-Bank Digital Channels 36%, Wealth / Financial Specialists / Bank Relationship Managers 33%, Online Videos / Podcasts 32%
- Top Person for investment & wealth management decisions – Wealth / Financial Specialists / Bank Relationship Managers 64%
- Average Savings needed for retirement – $1.05 million
- Average Savings needed for retirement United States – $1.57 million
- Average Savings needed for retirement United Kingdom – $1.13 million
- Average Savings needed for retirement Hong Kong – $1.11 million
- Average Savings needed for retirement Singapore – $1.39 million
- Average Savings needed for retirement UAE – $1.17 million
- Average Savings needed for retirement Australia – $1.23 million
- Average Savings needed for retirement China – $1.09 million
- Average Savings needed for retirement India – $401,000
- Average Savings needed for retirement Taiwan – $1.02 million
- Average Savings needed for retirement Malaysia – $986,000
- Average Savings needed for retirement Indonesia – $656,000
- Top Financial Goal for Gen Z (Age 21 to 28) – Savings for vacation or leisure
- Top Financial Goal for Millennials (Age 29 to 44) – Savings for vacation or leisure
- Top Financial Goal for Gen X (Age 45 to 60) – Preparing for retirement
- Top Financial Goal for Baby Boomers (Age 61 to 29) – Savings for vacation or leisure
HSBC Affluent Investor Snapshot 202
1) Affluent Investors Profile
Profile
- Affluent Investors – 10,797
- Investible Assets – $100k to $2 million
- Age – 21 to 69
Locations:
- Australia
- Hong Kong
- India
- Indonesia
- China
- Malaysia
- Mexico
- Singapore
- Taiwan
- UAE
- United Kingdom
- United States
Generation:
- Age 21 to 28 – 16%
- Age 29 to 44 – 33%
- Age 45 to 60 – 31%
- Age 61 to 69 – 20%
Investible Assets:
- $100k to $250k – 31%
- $250k to $500k – 30%
- $500k to $1 million – 24%
- $1 m to $2 million – 15%
2) Asset Allocation
2025 Asset Allocation – Global:
- Cash & Cash Equivalents – 20%
- Fixed Income – 14%
- Equities – 14%
- Real Estate – 11%
- Gold – 11%
- Cryptocurrencies – 7%
- Alternatives – 6%
- REITs – 6%
- Commodities – 4%
- Others – 7%
2025 Asset Allocation – Hong Kong:
- Cash & Cash Equivalents – 20%
- Fixed Income – 13%
- Equities – 20%
- Real Estate – 9%
- Gold – 11%
- Cryptocurrencies – 6%
- Alternatives – 5%
- REITs – 5%
- Commodities – 4%
- Others – 6%
2025 Asset Allocation – Singapore:
- Cash & Cash Equivalents – 24%
- Fixed Income – 17%
- Equities – 18%
- Real Estate – 8%
- Gold – 7%
- Cryptocurrencies – 5%
- Alternatives – 4%
- REITs – 9%
- Commodities – 4%
- Others – 5%
2025 Asset Allocation – China:
- Cash & Cash Equivalents – 25%
- Fixed Income – 14%
- Equities – 10%
- Real Estate – 16%
- Gold – 15%
- Cryptocurrencies – 2%
- Alternatives – 5%
- REITs – 6%
- Commodities – 2%
- Others – 5%
2025 Asset Allocation – India:
- Cash & Cash Equivalents – 15%
- Fixed Income – 14%
- Equities – 9%
- Real Estate – 11%
- Gold – 15%
- Cryptocurrencies – 7%
- Alternatives – 8%
- REITs – 8%
- Commodities – 5%
- Others – 8%
2025 Asset Allocation – UAE:
- Cash & Cash Equivalents – 13%
- Fixed Income – 12%
- Equities – 10%
- Real Estate – 13%
- Gold – 14%
- Cryptocurrencies – 9%
- Alternatives – 7%
- REITs – 8%
- Commodities – 6%
- Others – 9%
2025 Asset Allocation – United Kingdom:
- Cash & Cash Equivalents – 19%
- Fixed Income – 16%
- Equities – 13%
- Real Estate – 11%
- Gold – 7%
- Cryptocurrencies – 9%
- Alternatives – 6%
- REITs – 5%
- Commodities – 5%
- Others – 8%
2025 Asset Allocation – United States:
- Cash & Cash Equivalents – 20%
- Fixed Income – 15%
- Equities – 13%
- Real Estate – 8%
- Gold – 8%
- Cryptocurrencies – 9%
- Alternatives – 6%
- REITs – 6%
- Commodities – 4%
- Others – 10%
3) Investment Insights
Average Financial Product Type Ownership:
- Current – 4.2
- Intend to own in next 12 months – 6.7
Top 3 Factors impacting investment behaviour:
- Cost of Living
- Global Uncertainty
- Economic Uncertainty
Top 15 Investment Holdings:
- Stocks
- Managed Investments (Mutual Funds, Unit Trusts, ETFs)
- Time Deposits
- Local Property
- Bonds
- Alternatives
- Managed Solutions (Discretionary, Multi-Asset)
- Physical Gold
- Investment-Linked Insurance
- Fully Guaranteed Savings Insurance
- REITs
- Digital Gold
- Money Market Funds
- Certificate of Deposits
- Overseas Property
Top 5 New products to add to portfolio in next 12 months:
- Digital Gold
- Multi-Asset Solutions
- Private Market Funds
- Mutual Funds / Unit Trusts
- Hedge Funds
4) Overseas Investments
Investment in overseas market in next 12 months:
- Global Investors – 42%
- UAE Investors – 56%
- Singapore Investors – 50%
- Hong Kong Investors- 47%
- UK Investors – 45%
- United States Investors – 36%
Top 3 markets for investment in next 12 months
- United States
- European Union
- APAC
Top 3 markets for overseas investment account:
- United States
- Singapore
- Hong Kong
5) Source of Investment Information & Advice
Top 5 Information Collection Channels:
- Social Platforms – 40%
- Bank Digital Channels – 39%
- Non-Bank Digital Channels – 36%
- Wealth / Financial Specialists / Bank Relationship Managers – 33%
- Online Videos / Podcasts – 32%
Top 5 Person for investment & wealth management decisions:
- Wealth / Financial Specialists / Bank Relationship Managers – 64%
- Stockbrokers – 29%
- Friends / Colleagues – 29%
- Family Members – 28%
- Insurance Agents – 26%
Affluent Investors Advisory Insights:
- Prefer advice that directly addresses their circumstances – 75%
- Prefer to receive advice without requesting it – 70%
- Prefer advice from wealth or financial specialists – 69%
- Prefer receiving advice as and when they need it – 66%
- Prefer to receive advice via online & offline channel – 62%
6) Financial Goals, Savings & Retirement:
Average Savings needed for comfortable & secure retirement:
- Global – $1.05 million
- United States – $1.57 million
- Expats – $1.53 million
- Singapore – $1.39 million
- Australia – $1.23 million
- UAE – $1.17 million
- United Kingdom – $1.13 million
- Hong Kong – $1.11 million
- China – $1.09 million
- Taiwan – $1.02 million
- Malaysia – $986,000
- Indonesia – $656,000
- Mexico – $486,000
- India – $401,000
Top 5 Financial Goals – Gen Z (Age 21 to 28):
- Savings for vacation or leisure
- Creating additional / multiple income streams
- Supporting family financially
- Gain wealth for financial security
- Home ownership
Top 5 Financial Goals – Millennials (Age 29 to 44):
- Savings for vacation or leisure
- Gain wealth for financial security
- Supporting family financially
- Creating additional / multiple income streams
- Preserve & protect my wealth
Top 5 Financial Goals – Gen X (Age 45 to 60):
- Preparing for retirement
- Savings for vacation or leisure
- Preserve & protect my wealth
- Gain wealth for financial security
- Build extra wealth to fight against inflation
Top 5 Financial Goals – Baby Boomers (Age 61 to 29):
- Savings for vacation or leisure
- Preserve & protect my wealth
- Build extra wealth to fight against inflation
- Gain wealth for financial security
- Supporting family financially
Confidence in achieving financial goals:
- Less than 3 years – 81%
- 3 to 5 years – 72%
- More than 5 years – 76%
HSBC Affluent Investor Snapshot 2025
The Affluent Investor Snapshot 2025, a global Quality of Life special report by HSBC, delves into the investment portfolios, behaviours, and priorities of affluent individuals worldwide. Conducted in March 2025 through an online survey across 12 markets, the research captures insights from 10,797 affluent investors aged 21 to 69, each possessing investable assets ranging from USD 100K to USD 2M. HSBC launched the inaugural edition of the Quality of Life report in 2023 to explore the concept of a good Quality of Life across different generations of affluent individuals and investigate the relationship between physical and mental wellness, and financial fitness. The Affluent Investor Snapshot, started in 2024, explored financial planning and preparedness across different generations of affluent individuals, and examined changes in investment behaviours and attitudes, legacy planning, and international education for children. The Affluent Investor Snapshot 2025 continues to track changes in financial planning and investment behaviours. It also explores investment trends and international wealth among affluent individuals. The study was conducted by Ipsos Asia Limited.
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