Wealthy Americans Plan To Keep Spending and Investing Steady in 2026: Should You?

Core Insights - Wealthy Americans are planning to maintain their spending and investment levels in 2026 despite rising costs and anticipated market volatility [1][5][6] Group 1: Investor Sentiment - A Schwab survey indicates that over 75% of high-net-worth clients intend to keep their current portfolio risk levels in 2026, even though 90% expect an increase in the cost of living and nearly two-thirds foresee greater market volatility [3] - The decision to maintain risk levels is attributed to having a financial plan, which provides confidence to navigate economic uncertainties without making drastic changes [6] Group 2: Spending Plans - More than 80% of high-net-worth Schwab clients expect their spending in 2026 to remain consistent with 2025, reflecting comfort in their income and asset levels [5] - The survey suggests that these investors feel secure enough to support their lifestyle and can adjust to modest changes in their portfolios or the economy [5] Group 3: Financial Planning - Rob Williams emphasizes the importance of having a financial plan that aligns with individual investment goals and cash flow needs, suggesting that a review and rebalancing of portfolios may be necessary for those without a clear plan [4] - High-net-worth investors are encouraged to assess their resources, spending habits, and investment strategies to ensure alignment with their financial goals for the upcoming year [7]