3.5 crore needed for comfortable and secure retirement in India: HSBC Affluent Investor Survey 2025
What drives investment?
Generation gap in financial goals
They put their eggs in various baskets
Cash is hard to quit
Affluent investors are defined as those who have between $1,00,000 and $20,00,000 in investable assets. Various demographics are part of the more than 10,000 respondents in this survey.For 80% of respondents, the top factors impacting investment decisions are:High inflation and high interest rates.Global trade wars and geopolitical concerns.Macroeconomic volatility and currency fluctuations.Gen Z (21-29 yrs) & Millennials (29-44 yrs) are more confident of achieving their financial goals than Gen X (45-60 yrs) and Baby Boomers (61-69 yrs).Affluent investors have nearly doubled the allocation to gold and alternative investment instruments, while cutting cash holdings by nearly 40%, compared to the previous year..For guidance on decision-making, eight out of 10 affluent investors turn to experts. Their preferences are...Wealth or financial specialists, bank relationship managersStockbrokersInsurance agentsThese respondents want to invest outside their home market in the next 12 months. The top three regions are...While their cash allocation in 2025 declined over the previous year, most respondents do not intend to do the same in the next 12 months. Out of 10 affluent investors...HSBC Affluent Investor Snapshot 2025.The study was conducted by Ipsos Asia among 10,797 affluent investors, including 1,006 in India, across 12 regions, from 3-30 March 2025 on investment behaviours, objectives and attitudes. *Figures don't add up to 100% due to multiple responses. ^Passion assets, insurance and uncategorised responses; #REITs: Real estate investment trusts
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