UHNWI (Ultra High Net Worth Individual)
Definition
The term UHNWI (Ultra High Net Worth Individual) refers to very wealthy individuals with investable assets generally exceeding several million euros (25 million euros at Societe Generale Private Banking). This segment represents a prime target for private banks, family offices, and wealth managers due to its strong investment potential and need for diversification. These individuals benefit from privileged access to exclusive private banking services.
Financial Services for UHNWIs
Wealth Management
Comprehensive and tailor‑made support to build personalized solutions combining financial performance, capital preservation, and wealth transfer.
Estate planning: organizing the transfer of wealth to the next generations (gifts, spousal protection, restructuring of financial assets).
Wealth structuring during business transfer or sale.
Support with tax‑related matters.
Financing Solutions
Exceptional assets: superyachts, jets, sailing yachts
Luxury real estate
Bespoke credit solutions: Lombard loans, customized mortgage loans, sophisticated credit lines
Investments
Financial investments
Portfolio management
Real estate investments
Real assets
Philanthropy & Impact
Philanthropic advisory: support in creating foundations, planning donations, and structuring social engagement.
ESG / sustainable investing: integrating sustainability objectives into investment strategies.
Diversification / Passion Investments
Investments in art and collectibles: art banking
Wine investments: wine banking
Forests and land assets
Why Target UHNWIs?
UHNWIs represent a strategic segment for private banks and family offices. With their substantial investment capacity and personalized needs, they are central to growth strategies and to building long‑term relationships with affluent clients.
In summary – UHNWI
UHNWI (Ultra High Net Worth Individual): a person with investable assets exceeding several million euros (25 million euros at Societe Generale Private Banking).
Key characteristics: very large wealth, complex financial needs, demand for bespoke solutions.
Core services: wealth management, tax and estate planning, philanthropy, exclusive opportunities, personalized support.
Objective: to optimize, protect, and transmit wealth.