Indian Millionaires Shift Wealth-Building Strategy to Investments
According to the 2025 Mercedes-Benz Hurun India Wealth Report, Indian millionaires are now building their fortunes by investing in stocks, real estate, and gold—rather than relying on salaries or inheritance. This fresh approach is expected to nearly double millionaire households in India from 4.58 lakh in 2021 to about 8.71 lakh in 2025.
Investment trends and global diversification are playing a significant role in this shift. Millionaire households, defined as those with over ₹8.5 crore net worth, are growing thanks to India's strong economy and smart investment moves. Over half of these households expect the real estate market to continue booming. They are also spreading their investments abroad, primarily in the US, UAE, and Singapore, to balance risks and tap into global growth.
The report highlights the increasing importance of diversified investment strategies among Indian millionaires. Real estate remains a popular choice, with many investors looking to capitalize on the robust housing market. Stocks and gold are also gaining traction as reliable investment options. These trends reflect a growing confidence in the financial markets and a strategic approach to wealth management.
The global diversification of investments is a key strategy for Indian millionaires. By investing in foreign markets, they are able to mitigate risks associated with domestic economic fluctuations. The US, UAE, and Singapore are particularly attractive due to their stable economies and favorable investment climates. This diversification not only enhances their portfolio but also provides access to new opportunities for wealth creation.
The shift from salary-based wealth to investment-driven wealth is a significant trend in India's economic landscape. It underscores the growing sophistication of the country's financial sector and the increasing financial literacy among the wealthy. As more Indians adopt this approach, it is likely to have a positive impact on the overall economy, fostering growth and innovation.
In conclusion, the 2025 Mercedes-Benz Hurun India Wealth Report paints a picture of a dynamic and evolving wealth landscape in India. The shift towards investment-driven wealth building is a clear indicator of the country's economic maturity and the strategic mindset of its millionaires. As this trend continues, it is expected to drive further economic growth and prosperity in the years to come.
