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A high-net-worth individual (HNWI) is a person with a high net worth. In the western, and primarily American, private banking business, these individuals typically are defined as having investable finance (financial assets, excluding primary residence) in excess of US$1 million in constant 2006 dollars. However, there are distinct classifications of HNWI and the exact dividing lines depend on how a bank wishes to segment its market. For example, an investor with less than US$1 million but more than US$100,000 is considered to be "affluent", or perhaps even "Sub-HNWI".〔(Investopedia Definition of "High Net Worth Individual (HNWI)" )〕 "Very-HNWI" (VHNWI) can refer to someone with a net worth of at least US$5 million. By 2007, the expansion of HNWI assets led to the creation of a super class of HNWIs, known as Ultra-high-net-worth individuals (UHNWIs), i.e. those with US$30 million in liquid financial assets according to the Capgemini and Merrill Lynch World Wealth Report 2006〔 or with a disposable income of more than US$20 million. At the end of 2013, there were just over 13 million HNWIs in the world. The United States of America had the highest number of HNWIs (4,034,000) of any country, whilst London had the most millionaires (339,200) among cities.〔("UK and London top global millionaire rankings" ). FT. 19 March 2014.〕〔("5 countries that gained the most millionaires" ). CNBC. 27 March 2014.〕 == United States: SEC regulations == The U.S. Securities and Exchange Commission requires all SEC-registered investment advisers to periodically file a report known as Form ADV.〔(SEC Form ADV )〕 Among other things, Form ADV requires each investment adviser to state how many of his clients are "high-net-worth individuals." The Form ADV Glossary of Terms explains that a "high-net-worth individual" is an individual with at least $1,000,000 managed by the reporting investment adviser, or whose net worth the investment adviser reasonably believes exceeds $2,000,000 (or who is a "qualified purchaser" as defined in section 2(a)(51)(A) of the Investment Company Act of 1940). The net worth of an individual for SEC purposes may include assets held jointly with his or her spouse. Unlike the definitions used in the financial and banking trade, the SEC's definition of HNWI would include the value of a person's verifiable non-financial assets, such as a primary residence or art collection. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「High-net-worth individual」の詳細全文を読む スポンサード リンク
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