While most people chase returns, the ultra-wealthy focus on preserving and growing their wealth across generations. But what really sets their approach apart?
In this episode, we speak with Deepak Vazirani, Senior Advisor to Family Office Clients on Investments, who shares rare insights into the financial thinking and behaviour of India’s richest families. From navigating market cycles to planning for the third generation, Deepak reveals what truly drives HNI decision-making—and what the rest of us can learn from it.
Here’s what we covered: - How HNIs approach wealth, risk, and long-term planning - The core assets and allocation strategies of the ultra-rich - Why liquidity is king—even for billionaires - How HNIs prepare the next generation for wealth - The rise of philanthropy and legacy planning in India
Timestamps: 0:00 – Inside the HNI Mindset 01:08 – HNI vs Common Man: Money Thinking 03:34 – How HNIs Plan for Their Kids 05:24 – How HNIs Make Money Decisions 08:14 – Who Controls the Money in HNI Families? 10:19 – How HNIs React in Market Crashes 14:26 – Where Do HNIs Invest? 16:59 – The Secret Power of HNI Networks 20:30 – Building an HNI Portfolio 23:54 – Legacy Planning Like the Rich 26:06 – Should the Rich Pay More Tax? 27:17 – Why HNIs Are Leaving India 28:26 – Do HNIs Think in Scarcity? 29:29 – Weird Money Habits of the Rich 33:56 – Why the 3rd Gen Loses It All 33:20 – Top Lesson from an HNI 34:26 – Final Takeaways
Disclaimer: This content is provided for educational and informational purposes only. The views expressed by our guests reflect their personal opinions and experiences. Our intent is not to defame or cause harm to any individual, entity, brand, or product mentioned. We aim to offer insights that empower our audience to make well-informed decisions. Viewers should consider their unique circumstances and consult with qualified financial professionals when necessary before acting on any information presented in this video.
