Affluent > $1 MillionFinancial Cohorts classifies consumers into clusters based on a multi-dimensional framework including financial capacity, investment style and householder demographics. The clusters are then placed into standard groups within broad asset ranges. All clusters in the ‘Affluent’ tier show estimated investable asset values above $1 Million.
Hover over the underlined cluster name or icons for more information.
I32. Young Investors
Young, financially-savvy households with $1M+ in assets, healthy incomes and high spending. Have a complex, mutual fund-heavy mix of investments. Use credit moderately.
% of HHs: 0.3%
Assets: $1.6M
Income: $214.5K
Spending: $244.7K
Credit Use: Very Low
J33. Planners
Well educated, married homeowners with very complex banking and investment profiles. Have substantial assets and incomes. Limited use of credit.
% of HHs: 1.1%
Assets: $1.5M
Income: $213.7K
Spending: $149.3K
Credit Use: Very Low
J34. Accumulators
Affluent singles and families with a complex investment mix of primarily mutual funds and deposits. Low credit use.
% of HHs: 0.5%
Assets: $1.4M
Income: $187.9K
Spending: $131.5K
Credit Use: Very Low
J35. Investors
Families with substantial incomes and heavy spending habits. Use credit wisely and hold their $1M+ assets in a complex variety of financial products.
% of HHs: 0.6%
Assets: $1.9M
Income: $228.8K
Spending: $167.7K
Credit Use: Very Low
J36. High Worth
Super-wealthy, risk-tolerant families with substantial assets in a complex mix of investments, including stocks, bonds and mutual funds. “Buyers of the Best.”
% of HHs: 0.4%
Assets: $5.4M
Income: $435.5K
Spending: $352.8K
Credit Use: Very Low
K37. Accumulators
Married, well-off empty nesters with complex portfolios that show a bias for stocks and mutual funds. High Risk investments. Highly insured. Use credit sparingly
% of HHs: 0.6%
Assets: $1.4M
Income: $178K
Spending: $97.5K
Credit Use: Very Low
K38. Investors
Wealthy households with complex portfolios containing high-risk investments, mainly stocks and mutual funds. Advice-oriented. Well managed credit.
% of HHs: 0.7%
Assets: $1.6M
Income: $187.4K
Spending: $116.8K
Credit Use: Very Low
K39. Very Wealthy
Ultra-wealthy, mature households heading into comfortable retirement. Very high incomes, very high spending, and a highly complex investment mix. Advisor-oriented and risk tolerant.
% of HHs: 0.5%
Assets: $4.7M
Income: $297.7K
Spending: $196.1K
Credit Use: Very Low
L40. Well-Planned Retirement
Retired, married homeowners with a complex mix of investments, heavily focused on funds. Use credit wisely. Have well-planned retirement.
% of HHs: 1.9%
Assets: $1.7M
Income: $169.9K
Spending: $86.9K
Credit Use: Very Low
L41. Very Elderly
Seniors with considerable assets. Complex, high-risk portfolios contain deposits, mutual funds and stocks. Use credit sparingly and limit their balances.
% of HHs: 1.2%
Assets: $1.6M
Income: $138.2K
Spending: $64.9K
Credit Use: Very Low
L42. Wealthiest
Wealthiest cluster. Retired, married couples with high incomes and over $5M in assets. Complex portfolios with high proportion of stocks. Work with financial advisors.
% of HHs: 0.9%
Assets: $5.7M
Income: $228.4K
Spending: $168K
Credit Use: Very Low
O52. Elderly and Prudent
Older, retired, single and married homeowners in small cities, with mixed investments managed by an advisor. Smart consumers with low credit activity.
% of HHs: 0.9%
Assets: $1.4M
Income: $142.8K
Spending: $67.9K
Credit Use: Very Low
O53. Wealthy Investors
Married couples in or nearing retirement with high assets, incomes and spending. Fairly complex, high-risk investments including stocks and mutual funds. Credit well managed.
% of HHs: 0.4%
Assets: $3.4M
Income: $184.3K
Spending: $133.5K
Credit Use: Very Low
R61. Wealthy Investors
Wealthy retirees with significant assets and income and a complex investment mix. Comfortable with some financial risk. Well managed credit. Politically active.
% of HHs: 1.1%
Assets: $1.5M
Income: $124.5K
Spending: $68K
Credit Use: Low
