How the Top 1% Invest (and How Do YOU Compare?)

BiggerPockets Money Podcast

BiggerPockets

Investing, Education, Business

4.6 • 2.9K Ratings

🗓️ 11 March 2025

⏱️ 44 minutes

🔗️ Recording | iTunes | RSS

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Summary

How do the top 1% of Americans invest their money, and how do your investments compare? We’re breaking down the data, showing what the wealthiest Americans are invested in and how to copy their 1% portfolio so you can invest like the ultra-wealthy. To be in the top 1% of Americans, you must have at least eight figures. And while that’s a Fat FIRE number, most of us don’t need tens of millions to retire early. But copying some of the tactics of the top 1% could get you there faster. One thing slingshots average Americans to the top 1%, and even the top 0.1%, but you don’t have to bank on this huge bet to get there. Surprisingly, the top 1% invests in assets that YOU already have access to, not elite-only investment opportunities or massive business deals. They’re invested in FAR more passive assets than you’d think, so you don’t HAVE to build a real estate portfolio to get there. What gives you the best chance of hitting the top 1% in wealth? Maybe you don’t want to go that far—how do you get to the top 10%? Scott and Mindy share a few strategies that could skyrocket your net worth into the tens of millions—if you’re willing to do the work. Plus, they reveal where to park your money once you reach the top. In This Episode We Cover The average net worth of the 1% and the 0.1% in America (less than you’d think) How the 1% invest their money and why they AREN’T heavily invested in real estate The best investment for the chance of breaking into the top 1% The “middle-class trap” that the 1% escape, but the upper-middle-class can’t How the top 1% invest now compared to pre-pandemic and pre-2008 And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: [email protected] Email Scott: [email protected] BiggerPockets Money Facebook Group Follow BiggerPockets Money on Instagram “Like” BiggerPockets Money on Facebook BiggerPockets Money YouTube Channel Fed Assets by Wealth Percentile Group in 2024 Get $100 Off Your Tickets to BPCON2025 in Las Vegas, Nevada Grab “The Millionaire Next Door” Sign Up for the BiggerPockets Money Newsletter Find an Investor-Friendly Agent in Your Area BiggerPockets Money 325 - How to Buy Yourself a 6-Figure Income Stream w/Tim Delaney Fed Assets by Wealth Percentile Group in 2024 (00:00) Intro (01:12) Top 1% Net Worth (08:49) The Top 1% Portfolio (16:05) How Their Investments Evolve (17:40) Cheat Code to 1% Status? (21:12) Average American vs. 1% Investments (29:46) Best Investment to Become 1%? Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-614 Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Today, we are pulling back the curtain on something many people wonder about, but rarely
0:04.8	get to see how the ultra wealthy actually invest their money. Not the sensationalized stories
0:10.7	about crypto or tech billionaires, but the real data on how the top 1% allocate their investments.
0:17.7	Might surprise you is that while the ultra wealthy do have access to investment opportunities
0:22.8	that most of us don't, many of their core strategies are actually things you could implement
0:28.2	into your portfolio right now.
0:30.8	Ready to hear how this might change your investment strategy?
0:33.5	Let's get into it.
0:39.0	Hello, hello, hello, and welcome to the Bigger Pockets Money podcast.
0:42.2	My name is Mindy Jensen, and with me as always is my top 1% in my heart, co-hosts, Scott
0:47.8	Trench.
0:48.3	Oh, that's very nice, Mindy.
0:49.5	Likewise.
0:50.5	And I would argue that we should be up there having invested so much time together on this podcast.
0:57.7	All right. Bigger Puckets is a goal of creating one million millionaires, not just in the heart, but
1:02.7	literally in your bank account and your net worth statement. You are in the right place if you want to
1:06.2	get your financial house in order because we truly believe financial freedom is attainable
1:09.5	for everyone, no matter when or where you're starting.
1:12.4	All right, first things first, we're going to be talking about how the top 1% of Americans
1:18.2	invest their wealth.
1:19.9	And let's clarify what we're talking about with that top 1%.
1:23.7	According to Kiplinger's wealth report, to be in the top 1% of wealth in America, you need a net worth of about 11.6 million.
	...

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