360 ONE Wealth

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The Wealth Index

By 360 One Wealth

The Wealth Index

Based on IN-DEPTH interviews with

388 UHNIs & HNIs

The Wealth Index

Find out How India’s UHNIs & HNIs Optimised Wealth

0:00/1:34

Karan Bhagat - Founder, MD & CEO, 360 ONE

It is particularly encouraging to see that investors place high importance on a wealth manager’s track record, reputation, and engagement model. At 360 ONE Wealth, we have had the privilege of working closely with some of the most prominent families across India—industrialists, entrepreneurs, and professionals.

Our long-standing relationships, nurtured over generations, have given us valuable insights into their evolving attitudes, preferences, and objectives. Over time, we have developed a robust governance framework to ensure that wealth is preserved and passed seamlessly from generation to generation, while continuously adapting to changing market dynamics.

Yatin Shah.

Co-founder, 360 ONE
CEO, 360 ONE Wealth

Co-Founder, 360 ONE, Joint CEO,

360 ONE Wealth

Key Insights

01/11

Experience and expert guidance are key to peace of mind

Nearly 90% of respondents were concerned about external events affecting their wealth, with those over 60 being less worried than younger individuals. This could be due to market resilience or wealth managers filtering out noise and guiding clients through financial turbulence. The assurance of wealth or steady cash flows boosts confidence in long-term goals.

02/11

Complex financial products require greater awareness

Respondents were most comfortable with stocks, mutual funds, and fixed-income securities but less familiar with newer options like PMS and AIFs. There is a need for greater awareness around international investments via GIFT City, large-value funds, structured credit, REITs, and unlisted equities.

03/11

Experts in demand

Wealth advisors play a key role in portfolio construction, complex product guidance, legacy planning, and navigating market volatility. While 25% of respondents fully rely on professionals, 77% seek some level of assistance. Additionally, 63% of respondents expect both advisory and product selection services, with 93% emphasizing the importance of involving external professionals in succession planning.

04/11

The wealthy don’t hesitate to pay for professional help

Contrary to popular belief, the wealthy prioritize a wealth management firm's track record and reputation over cost. Returns on investment matter more than fees. About 30% of respondents preferred paying fees based on assets under management, a transparent structure that offers ongoing personalized advice.

05/11

The ultra-wealthy are not risk-averse

Entrepreneurs and business owners made up 61% of UHNI respondents, compared to 49% for HNIs, showing that UHNIs are more willing to take risks to grow their wealth. More HNIs (43%) were salaried or independent professionals, compared to 31% of UHNIs. This breakdown helps wealth managers tailor their services to the differing needs of these groups.

The Wealth Index

By 360 One Wealth

The Wealth Index

Based on IN-DEPTH

interviews with

388 UHNIs & HNIs

The Wealth Index

Find out How India’s UHNIs & HNIs Optimised Wealth

0:00/1:34

Karan Bhagat - Founder, MD & CEO, 360 ONE

0:00/1:34

Karan Bhagat - Founder, MD & CEO, 360 ONE

Key Insights

01/11

Experience and expert guidance are key to peace of mind

Nearly 90% of respondents were concerned about external events affecting their wealth, with those over 60 being less worried than younger individuals. This could be due to market resilience or wealth managers filtering out noise and guiding clients through financial turbulence. The assurance of wealth or steady cash flows boosts confidence in long-term goals.

02/11

Complex financial products require greater awareness

Respondents were most comfortable with stocks, mutual funds, and fixed-income securities but less familiar with newer options like PMS and AIFs. There is a need for greater awareness around international investments via GIFT City, large-value funds, structured credit, REITs, and unlisted equities.

03/11

Experts in demand

Wealth advisors play a key role in portfolio construction, complex product guidance, legacy planning, and navigating market volatility. While 25% of respondents fully rely on professionals, 77% seek some level of assistance. Additionally, 63% of respondents expect both advisory and product selection services, with 93% emphasizing the importance of involving external professionals in succession planning.

04/11

The wealthy don’t hesitate to pay for professional help

Contrary to popular belief, the wealthy prioritize a wealth management firm's track record and reputation over cost. Returns on investment matter more than fees. About 30% of respondents preferred paying advisory fees based on assets under management, a transparent structure that offers ongoing personalized advice.

05/11

The ultra-wealthy are not risk-averse

Entrepreneurs and business owners made up 61% of UHNI respondents, compared to 49% for HNIs, showing that UHNIs are more willing to take risks to grow their wealth. More HNIs (43%) were salaried or independent professionals, compared to 31% of UHNIs. This breakdown helps wealth managers tailor their services to the differing needs of these groups.

06/11

The elderly are aggressive investors

Contrary to popular belief, respondents over 60 prioritize capital appreciation over wealth preservation, with a higher allocation to equities than other age groups. They are less focused on holding cash, preferring to maximize the growth of their wealth. Most don't foresee significant changes to their portfolios in the near term.

07/11

Gold is a strategic portfolio hedge

Equities are the top asset class for 39% of respondents, followed by debt and real estate at 20% each. Gold, favored by 10%, serves as an effective portfolio hedge due to its distinct reaction to economic and geopolitical conditions, making it a valuable tool for diversification beyond simply holding different assets.

08/11

Strong home-country bias signals untapped potential

India's strong stock market performance has led to a 'home-country bias,' with only 41% of respondents interested in investing abroad, though UHNIs (51%) are more eager than HNIs (30%). While 55% of respondents are aware of GIFT City, interest remains low, presenting untapped potential.

09/11

Accredited investor concept yet to gain traction

Introduced by SEBI in 2021, the accredited investor category allows experienced and wealthy individuals to invest in unlisted securities and high-risk instruments. However, the concept is still new, with 85% of respondents not having applied, indicating it has yet to take off.

10/11

Philanthropy goes beyond just optics

The wealthy aim to give back to society and make a positive impact, with 82% of the respondents saying they were either currently engaged in philanthropy or plan to do so in the next two years. Interestingly, a third of the respondents were also open to working with others to maximise the impact of their philanthropic efforts.

11/11

ESG matters and is not a fad

Most wealthy investors understand that businesses which assess and manage risks linked to environmental, social, and corporate governance factors tend to be more resilient in the long run. A resounding 70% put it as a critical aspect in business.