<p>  The term "High Net Worth Individual or HNWI" is used to refer to persons with high personal capital in the financial services industry. Liquid assets are accounted for as net worth, as a rule. In Singapore, there is a clear definition of the term, and it is specified in the Release Guide for specialized units serving high net worth under Section 100 (2) of the Law on Financial Advisers (Guidelines on Exemption for Specialized Units Serving High Net Worth Individuals Under Section 100 (2) of the Financial Advisers Act).</p><p>   <em>A person with a high net worth (High Net) is an individual:</em></p><p><em></em></p><p>1) who has assets at least 1 million Singapore dollars or equivalent value in foreign currency. Assets can be represented by one or more of the following forms:</p><ul><li>  bank deposits, including structured deposits;</li><li>  securities;</li><li>  insurance policies;</li><li>  other investment products;</li></ul><p>2) the amount of net personal assets of which exceeds 2 million Singapore dollars or the equivalent amount in foreign currency;</p><p>3) whose annual income is not less than 300,000 Singapore dollars or the equivalent amount in foreign currency, OR</p><p>4) which, according to the assessor's assessment, has the potential to become the person described in paragraph A for two years.</p><p> </p><p> <em> Classification of HNWI:</em></p><ul><li>High Net Worth Individual is a person with liquid financial assets in the amount of 1 to 5 million Singapore dollars.</li><li>Sub-HNWI is an investor whose assets are less than 1 million Singapore dollars, but more than 100,000 Singapore dollars.</li><li>Very HNWI is a rich man whose assets exceed 5 million Singapore dollars.</li><li>Ultra HNWI - a person with assets of more than 50 million Singapore dollars.</li></ul><p>  According to a 2015 study "The Weight of Money: How Private Investments Will Change the World of Real Estate", HNWI prefers to invest in real estate. During the collection of information, it was found that 53% of bankers and asset managers expect an increase in the allocation of direct investment in real estate in the next five years, and 38% are confident of maintaining current allocation levels and only 9% expect a decline in direct investment in real estate.</p><p>  The most popular form of investment, according to the study, is, still, residential real estate. What are the expectations of asset managers in the next five years:</p><p>       -    72% expect an increase in investment in residential assets;</p><p>       -    56% expect to maintain current levels of investment;</p><p>       -    22% expect their clients to sell their residential assets.</p><p>  On the second most popular among HNWI in the world are land. 60% of managers expect the increase of allocations in the next 5 years, and 36% are confident in maintaining the current level of investment of funds. Other types of real estate are no less popular among wealthy investors. 44% of managers reported that their clients intend to purchase commercial real estate in the next five years.</p><p> </p><p>  We dealt with the trends and expectations of investing HNWI of their funds in the world. Let's move on to <strong>Singapore</strong>.</p><p>  So, the number of wealthy individuals in Singapore rose to 105,000 in 2013, and the total amount of their assets totaled 523 billion US dollars. Based on information from the Asia-Pacific Wealth Report 2014, HNWI and the percentage of their growth is below the average for the region due to the contested stock markets. 39.3% of the population in Singapore (at the end of 2013) is HNWI, at the beginning of 2013 this figure was 31%. The growth of rich people was 18.7%. According to MarketsandMarkets, at the beginning of 2015, the number of millionaires in the world increased to 17.1%, in the Asia-Pacific region to 25.8%, in Singapore to 35.6%. The share of citizens - millionaires grew in the world to 18.9%, in the Asia-Pacific region to 30%, in Singapore to 35.6%.</p><p>  People with high personal capital prefer to invest in Singapore in such a sector of the economy as real estate (22.8%). In the second place, shares and alternative investments (by 14.4%), on the third - securities with fixed income (12.5%). 19.8% of alternative investments are structured products. In total, by the end of 2013, 27.1% of the investor portfolio was spent on investments, compared to the data at the beginning of 2013 - from 22.6%.</p><p>  The level of trust of Singapore millionaires to leaders and wealth markets has increased slightly - from 66% at the beginning of 2013 to 72% at the end of the year, the confidence in firms and regulators has decreased from 73% at the beginning of the year to 68% at the end of the year.</p><p>  It is worth noting that 7% of Singapore's HNWI are confident in the ability to increase their portfolios in the near future.</p><p>  Rich people are the source of income for asset managers, as the more assets, the more management companies work to maintain and maintain them, as well as multiplying. The asset management industry is segmented into 3 parts by wealth level: wealthy citizens, citizens with high personal capital and ultra HNWI. The segment of wealthy citizens is the largest in all countries of the world. The share of citizens with high personal capital is much smaller, but these individuals have large assets. Thus, millionaires are always interesting for banks and financial institutions. The growing number of wealthy and proportion of the population of millionaires in Singapore provides huge opportunities for companies managing capital, allowing them to increase their income and customer base. Therefore, the registration of a company in Singapore, specializing in investment management, real estate planning, tax planning and so on is so popular. However, statistics show that millionaires change their managers assets because of their inability to understand the needs of their customers. So what do Singaporeans want with high personal capital?</p><p> Private personal meetings.</p><p> High level of product knowledge.</p><p> Openness to new ideas.</p><p> Understanding their needs and risks associated with a particular investment product.</p>