‍

Beyond stocks and bonds: how the wealthy diversify smarter.

‍

When your net worth increases, so does the need to diversify beyond traditional investment options. That’s why more high-net-worth individuals are turning to alternative investments—assets that sit outside the standard stock and bond portfolio but often offer higher potential returns, tax benefits, and a hedge against market volatility.

‍

But alternatives aren’t one-size-fits-all. They require careful vetting, risk tolerance alignment, and in most cases, the guidance of a skilled financial advisor.

‍

💼 Ready to explore alternatives with a pro?
Compare top fiduciary advisors who specialize in alternative investments at Advisor.com

‍

What Counts as an Alternative Investment?

Alternative investments are any assets that fall outside traditional publicly traded equities and fixed income. Common examples include:

‍

• Private equity and venture capital
• Hedge funds
• Real estate (direct ownership or REITs)
• Commodities (like gold, oil, or agriculture)
• Private credit and debt funds
• Collectibles (art, wine, vintage cars)
• Cryptocurrencies and digital assets
• Structured products and derivatives

While many of these assets require higher minimum investments or accreditation, they offer unique benefits—including potentially uncorrelated returns, tax efficiency, and access to new markets.

‍

📈 Looking to diversify wisely?
Work with a fiduciary advisor who can evaluate which alternatives align with your financial goals. Start now →

‍

Why the Wealthy Use Alternatives

For high-net-worth individuals, alternatives can play a vital role in:

‍

• Enhancing returns beyond what public markets offer
• Managing risk by reducing exposure to correlated assets
• Protecting against inflation with tangible or supply-limited assets
• Accessing exclusive opportunities not available to retail investors
• Building multi-generational wealth with longer time horizons

But alternatives also bring complexity, lower liquidity, and sometimes opaque risk. That’s why personalized advice is key.

‍

⚠️ Alternatives are powerful—but not DIY.
Get matched with advisors who understand your risk profile and long-term vision at Advisor.com.

‍

How to Get Started

You don’t need to overhaul your portfolio to start exploring alternatives. Here’s a smart approach:

‍

1. Assess your liquidity needs – Alternatives are often long-term and illiquid.
2. Clarify your goals – Are you looking for income, growth, or legacy planning?
3. Diversify within alternatives – Don’t put all your eggs in one exotic basket.
4. Work with a fiduciary advisor – Alternatives demand due diligence and professional vetting.

🔍 Not sure where to begin?
Find an advisor who can help you compare private equity, real estate, hedge funds, and more—based on your goals and risk tolerance. Search free at Advisor.com

‍

The Bottom Line

Alternative investments can be a powerful way to build and preserve wealth, but they require expertise, patience, and a personalized strategy. For high-net-worth individuals, it’s not just about gaining access—it’s about making smart decisions once you do.

‍

🧠 Thinking beyond the market?
Find a financial advisor who knows how to help you invest outside the box—without losing sight of the big picture.
👉 Visit Advisor.com and compare your top matches →