A high net worth individual, or HNWI, is a person with investable assets of 1 million U.S. Dollars or more, as defined by the World Wealth Report by Capgemini (2011). Assets which cannot be invested (like real estate) do not qualify as investable income.
In Switzerland, some banks and wealth managers place the asset floor for HNWIs even higher, at 5 million Swiss francs. Banks generally offer high net worth individuals special wealth management services which are not available to regular customers.