5 Ways Millionaires Are Quietly Building and Sustaining Wealth Right Now

Core Insights - Wealthy individuals are employing discreet strategies to protect and grow their assets amid inflation, market volatility, and economic uncertainty [1] Group 1: Investment Strategies - Wealthy investors are increasingly engaging in lifestyle-aligned investing, focusing on assets that resonate with their values and interests, such as boutique resorts and farmland with regenerative agriculture potential [3][4] - Cash value life insurance (CVLI) is gaining popularity among high-income individuals for its tax-efficient growth, tax-free access through policy loans, and tax-free death benefits, allowing for legacy protection while minimizing future tax exposure [4][5] Group 2: Wealth Protection Techniques - The swap power trust strategy involves setting up an irrevocable trust that allows wealthy individuals to gift assets, enabling future appreciation to occur outside of their taxable estate, thus sheltering significant growth from estate taxes [5][6] - This strategy allows for the exchange of low-growth assets for high-growth assets within the trust, facilitating tax-efficient growth and eventual reintegration of appreciated assets back into the estate [6]