WEALTH MANAGEMENT AND ASSET ALLOCATION: STRATEGIES FOR HIGH-NET-WORTH INVESTORS AND STRUCTURED FAMILIES
DOI:
https://doi.org/10.56238/isevmjv3n5-021Keywords:
Wealth Management, High-Net-Worth Investors, Asset Allocation, Risk Parity, 60/40 Portfolio, Multimarket Funds, Family Offices, Diversification, Active Management, International InvestingAbstract
This article examines how high-net-worth individuals and structured families organize, preserve, and grow their wealth through asset-allocation frameworks and portfolio-management practices. Drawing on empirical research in portfolio theory, global diversification, private banking, and family-office management, the discussion evaluates the applicability of classical models—such as the 60/40 portfolio, risk parity, and permanent portfolios—to the Brazilian market. It also analyzes the role of multimarket funds and international diversification in enhancing risk-adjusted returns for affluent investors, and compares active versus passive management strategies in private-banking and family-office contexts. Evidence suggests that wealth management for high-net-worth clients requires a combination of strategic allocation, disciplined rebalancing, global exposure, and governance structures that protect long-term capital amid changing economic regimes.
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