GITNUXREPORT 2025

Mass Affluent Statistics

Mass affluent manage $18.3 trillion, with significant digital, sustainable investing growth.

Jannik Linder

Co-Founder of Gitnux, specialized in content and tech since 2016.

First published: April 29, 2025

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Statistic 1

65% of mass affluent investors prefer digital channels for financial management

Statistic 2

55% of mass affluent investors in Europe utilize robo-advisors

Statistic 3

35% of mass affluent households in Canada plan to increase their investment in cryptocurrencies

Statistic 4

Nearly 80% of mass affluent clients prefer digital onboarding processes for banking and wealth services

Statistic 5

73% of mass affluent investors actively seek financial education and investment insights

Statistic 6

Nearly 60% of mass affluent clients prefer mobile apps for viewing account balances and transactions

Statistic 7

77% of the mass affluent demographic plans to increase their digital investment management usage in the next two years

Statistic 8

68% of the mass affluent in urban areas are concerned about digital security and cyber threats

Statistic 9

The share of digital advice usage among the mass affluent increased by 22% from 2020 to 2023

Statistic 10

The majority of mass affluent investors (about 70%) have some form of financial advisor

Statistic 11

62% of mass affluent investors in the U.K. prefer to manage their investments independently rather than use financial advisors

Statistic 12

The median annual return expectation among mass affluent investors for their equity portfolios is around 7%

Statistic 13

74% of the mass affluent demographic actively participate in financial literacy programs

Statistic 14

The average annual expenditure of mass affluent households on luxury goods is $25,000

Statistic 15

55% of mass affluent investors are interested in alternative assets like art, collectibles, or wine investments

Statistic 16

58% of the global mass affluent population invests in art and collectibles as part of their diversification strategy

Statistic 17

The median annual expense on luxury travel among mass affluent households is estimated at $15,000

Statistic 18

The mass affluent segment in the U.S. manages approximately $18.3 trillion in assets

Statistic 19

Globally, the mass affluent population is projected to reach 634 million by 2025

Statistic 20

In the U.S., 47% of financial advisors’ clients are classified as mass affluent

Statistic 21

The average net worth of the US mass affluent household is around $1.3 million

Statistic 22

In Asia-Pacific, the mass affluent segment accounts for nearly 45% of total high-net-worth individual assets

Statistic 23

U.S. mass affluent households are expected to grow by 15% over the next five years

Statistic 24

The global median annual income for the mass affluent group is approximately $125,000

Statistic 25

Mass affluent investors in Australia allocate approximately 15% of their portfolios to alternative investments like private equity or hedge funds

Statistic 26

Approximately 65% of the mass affluent population holds multiple bank accounts across different financial institutions

Statistic 27

The total potential market for high-net-worth and mass affluent individuals is projected to reach $174 trillion globally by 2025

Statistic 28

In Asia, the mass affluent segment contributes nearly 40% of total private wealth

Statistic 29

The age group of 50-60 years old comprises approximately 30% of the mass affluent demographic

Statistic 30

75% of mass affluent investors own or are interested in sustainable bonds or green investments

Statistic 31

In emerging markets, the growth rate of the mass affluent segment is double the global average

Statistic 32

50% of the global mass affluent population resides in North America

Statistic 33

The proportion of mass affluent households with children under 18 is approximately 55%

Statistic 34

The average annual investment in health care and wellness by mass affluent households is $8,500

Statistic 35

The practice of family office services among the mass affluent has grown by 18% over the past five years

Statistic 36

In Latin America, the mass affluent segment is expected to grow at a CAGR of 6% over the next decade

Statistic 37

The total number of U.S. mass affluent households is estimated at 23 million

Statistic 38

About 40% of mass affluent investors in India are interested in expanding their portfolios into real estate

Statistic 39

The global demand for private banking and wealth management services from the mass affluent segment is expected to grow at a CAGR of 5% through 2025

Statistic 40

Approximately 45% of mas affluent investors are interested in fractional ownership models for luxury assets

Statistic 41

The number of mass affluent households in the Middle East is projected to increase by 12% over the next five years

Statistic 42

Approximately 60% of mass affluent investors are interested in sustainable investing options

Statistic 43

The median age of the mass affluent demographic in the U.S. is around 45 years old

Statistic 44

80% of mass affluent individuals own real estate property

Statistic 45

The primary financial goal for 68% of mass affluent investors is retirement planning

Statistic 46

52% of the mass affluent in the U.S. have a diversified investment portfolio across stocks, bonds, and alternative assets

Statistic 47

70% of mass affluent households are concerned about succession planning and wealth transfer

Statistic 48

The average debt-to-asset ratio for mass affluent households is 8%

Statistic 49

60% of mass affluent investors seek personalized financial planning services

Statistic 50

In the U.S., the mass affluent demographic contributes approximately 60% of retail banking revenue

Statistic 51

48% of young mass affluent investors under 40 are interested in impact investing

Statistic 52

The typical annual income required to be classified as mass affluent varies by country, but generally exceeds $100,000

Statistic 53

The average annual growth rate of assets for the mass affluent segment is approximately 4% globally

Statistic 54

Demand for estate planning services among the mass affluent has increased by 20% over the past three years

Statistic 55

The median savings rate among mass affluent households is around 20% of annual income

Statistic 56

The top financial concern for 42% of the mass affluent is inflation and market volatility

Statistic 57

In Europe, the demand for cross-border investment advisory services among the mass affluent has increased by 25% over the last three years

Statistic 58

45% of U.S. mass affluent investors are interested in expanding into international markets

Statistic 59

Nearly 85% of mass affluent investors have an emergency fund covering at least six months’ worth of expenses

Statistic 60

Approximately 70% of the mass affluent demographic discusses estate planning and wealth transfer at least once per year

Statistic 61

60% of mass affluent households report having diversified their investments to include ESG (Environmental, Social, Governance) funds

Statistic 62

The growth of digital-only wealth management firms has increased client onboarding efficiency by 35% among the mass affluent segment

Statistic 63

The proportion of women among the mass affluent in the U.S. is approximately 45%

Statistic 64

80% of mass affluent investors prefer personalized and concierge-style banking services

Statistic 65

The average age of first-time homebuyers among the mass affluent is roughly 35 years old

Statistic 66

Nearly 66% of the mass affluent hold investment in mutual funds

Statistic 67

The percentage of mass affluent households with multi-generational wealth planning is approximately 48%

Statistic 68

Mass affluent households in the U.S. dedicate on average about 10% of their annual income to philanthropic activities

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Key Highlights

The mass affluent segment in the U.S. manages approximately $18.3 trillion in assets
Globally, the mass affluent population is projected to reach 634 million by 2025
In the U.S., 47% of financial advisors’ clients are classified as mass affluent
The average net worth of the US mass affluent household is around $1.3 million
65% of mass affluent investors prefer digital channels for financial management
The majority of mass affluent investors (about 70%) have some form of financial advisor
In Asia-Pacific, the mass affluent segment accounts for nearly 45% of total high-net-worth individual assets
U.S. mass affluent households are expected to grow by 15% over the next five years
Approximately 60% of mass affluent investors are interested in sustainable investing options
The median age of the mass affluent demographic in the U.S. is around 45 years old
80% of mass affluent individuals own real estate property
The global median annual income for the mass affluent group is approximately $125,000
55% of mass affluent investors in Europe utilize robo-advisors

The mass affluent segment in the U.S. and around the globe is experiencing unprecedented growth and digital transformation, managing trillions in assets, fueling a dynamic market driven by personalized services, sustainable investing, and evolving wealth transfer strategies.

Digital Engagement and Investment Preferences

65% of mass affluent investors prefer digital channels for financial management
55% of mass affluent investors in Europe utilize robo-advisors
35% of mass affluent households in Canada plan to increase their investment in cryptocurrencies
Nearly 80% of mass affluent clients prefer digital onboarding processes for banking and wealth services
73% of mass affluent investors actively seek financial education and investment insights
Nearly 60% of mass affluent clients prefer mobile apps for viewing account balances and transactions
77% of the mass affluent demographic plans to increase their digital investment management usage in the next two years
68% of the mass affluent in urban areas are concerned about digital security and cyber threats
The share of digital advice usage among the mass affluent increased by 22% from 2020 to 2023

Digital Engagement and Investment Preferences Interpretation

As the mass affluent increasingly embrace digital channels—from robo-advisors to crypto investments—they're riding the virtual wave of wealth management, but amidst this digital fervor, concerns over cyber security remind us that even in the age of screens, trust remains the true currency.

Financial Advisor Relationships and Client Behavior

The majority of mass affluent investors (about 70%) have some form of financial advisor
62% of mass affluent investors in the U.K. prefer to manage their investments independently rather than use financial advisors
The median annual return expectation among mass affluent investors for their equity portfolios is around 7%
74% of the mass affluent demographic actively participate in financial literacy programs

Financial Advisor Relationships and Client Behavior Interpretation

Despite a robust 70% engagement with financial advisors, the UK’s mass affluent investors' preference for independence and a modest 7% return expectation highlight a savvy demographic that values financial literacy and autonomy over reliance, signaling a balanced blend of expertise and self-empowerment in their wealth management approach.

Luxury Spending and Lifestyle Trends

The average annual expenditure of mass affluent households on luxury goods is $25,000
55% of mass affluent investors are interested in alternative assets like art, collectibles, or wine investments
58% of the global mass affluent population invests in art and collectibles as part of their diversification strategy
The median annual expense on luxury travel among mass affluent households is estimated at $15,000

Luxury Spending and Lifestyle Trends Interpretation

With over half of the mass affluent investing in art and collectibles—spending a hefty $25,000 annually on luxury goods and $15,000 on elite travel—they're effectively balancing their portfolios with a palette of passion and prestige as much as financial diversification.

Market Size and Household Data

The mass affluent segment in the U.S. manages approximately $18.3 trillion in assets
Globally, the mass affluent population is projected to reach 634 million by 2025
In the U.S., 47% of financial advisors’ clients are classified as mass affluent
The average net worth of the US mass affluent household is around $1.3 million
In Asia-Pacific, the mass affluent segment accounts for nearly 45% of total high-net-worth individual assets
U.S. mass affluent households are expected to grow by 15% over the next five years
The global median annual income for the mass affluent group is approximately $125,000
Mass affluent investors in Australia allocate approximately 15% of their portfolios to alternative investments like private equity or hedge funds
Approximately 65% of the mass affluent population holds multiple bank accounts across different financial institutions
The total potential market for high-net-worth and mass affluent individuals is projected to reach $174 trillion globally by 2025
In Asia, the mass affluent segment contributes nearly 40% of total private wealth
The age group of 50-60 years old comprises approximately 30% of the mass affluent demographic
75% of mass affluent investors own or are interested in sustainable bonds or green investments
In emerging markets, the growth rate of the mass affluent segment is double the global average
50% of the global mass affluent population resides in North America
The proportion of mass affluent households with children under 18 is approximately 55%
The average annual investment in health care and wellness by mass affluent households is $8,500
The practice of family office services among the mass affluent has grown by 18% over the past five years
In Latin America, the mass affluent segment is expected to grow at a CAGR of 6% over the next decade
The total number of U.S. mass affluent households is estimated at 23 million
About 40% of mass affluent investors in India are interested in expanding their portfolios into real estate
The global demand for private banking and wealth management services from the mass affluent segment is expected to grow at a CAGR of 5% through 2025
Approximately 45% of mas affluent investors are interested in fractional ownership models for luxury assets
The number of mass affluent households in the Middle East is projected to increase by 12% over the next five years

Market Size and Household Data Interpretation

With a staggering $18.3 trillion under management and projections pointing to an ever-expanding global population of 634 million by 2025, the mass affluent—comprising roughly half of North America's wealth and a significant segment across Asia-Pacific and emerging markets—are not only steering the world's wealth ship but also diversifying into sustainable, family, and alternative investments, proving that today's middle class is becoming tomorrow's high-net-worth powerhouse with a penchant for smart, socially conscious, and innovative wealth growth.

Wealth Management and Client Demographics

Approximately 60% of mass affluent investors are interested in sustainable investing options
The median age of the mass affluent demographic in the U.S. is around 45 years old
80% of mass affluent individuals own real estate property
The primary financial goal for 68% of mass affluent investors is retirement planning
52% of the mass affluent in the U.S. have a diversified investment portfolio across stocks, bonds, and alternative assets
70% of mass affluent households are concerned about succession planning and wealth transfer
The average debt-to-asset ratio for mass affluent households is 8%
60% of mass affluent investors seek personalized financial planning services
In the U.S., the mass affluent demographic contributes approximately 60% of retail banking revenue
48% of young mass affluent investors under 40 are interested in impact investing
The typical annual income required to be classified as mass affluent varies by country, but generally exceeds $100,000
The average annual growth rate of assets for the mass affluent segment is approximately 4% globally
Demand for estate planning services among the mass affluent has increased by 20% over the past three years
The median savings rate among mass affluent households is around 20% of annual income
The top financial concern for 42% of the mass affluent is inflation and market volatility
In Europe, the demand for cross-border investment advisory services among the mass affluent has increased by 25% over the last three years
45% of U.S. mass affluent investors are interested in expanding into international markets
Nearly 85% of mass affluent investors have an emergency fund covering at least six months’ worth of expenses
Approximately 70% of the mass affluent demographic discusses estate planning and wealth transfer at least once per year
60% of mass affluent households report having diversified their investments to include ESG (Environmental, Social, Governance) funds
The growth of digital-only wealth management firms has increased client onboarding efficiency by 35% among the mass affluent segment
The proportion of women among the mass affluent in the U.S. is approximately 45%
80% of mass affluent investors prefer personalized and concierge-style banking services
The average age of first-time homebuyers among the mass affluent is roughly 35 years old
Nearly 66% of the mass affluent hold investment in mutual funds
The percentage of mass affluent households with multi-generational wealth planning is approximately 48%
Mass affluent households in the U.S. dedicate on average about 10% of their annual income to philanthropic activities

Wealth Management and Client Demographics Interpretation

With over half of the mass affluent embracing sustainable and impact investing, a median age of 45, and nearly half planning multi-generational wealth transfer, it’s clear that today’s wealthy Americans are not only securing their futures but also actively shaping a responsible and legacy-minded financial landscape.