To be in the top 1% of earners in the U.S., you need to make at least $731,492, based on 2022 IRS data adjusted to June 2025. The average net worth of the top 0.1% is $23.325 million, while the top 10% of households have a net worth of $2.65 million as of November 2023.

Real estate ownership is common among the ultra-wealthy, with direct real estate making up around 22.5% of their overall portfolio. Investors who own real estate tend to see higher gains over time, as it provides a forced savings effect through equity accumulation.

For those looking to invest in real estate without the hassles of being a landlord, platforms like Arrived and Lightstone DIRECT offer opportunities to invest in rental properties with minimum investments starting at $100,000. These platforms provide access to institutional-quality real estate investments.

Art has become an alternative asset class accessible to more investors through platforms like Masterworks, which allows individuals to buy fractional shares in multimillion-dollar works by renowned artists. Art offers unique diversification benefits compared to other alternative assets, with strong historical returns.

Working with a financial advisor can add about 3% to net returns over time, potentially leading to substantial growth in your portfolio. Platforms like Advisor.com connect you with licensed financial professionals who can offer personalized guidance based on your financial goals and risk tolerance.

Read more at Yahoo Finance: Here’s the net worth you need to join America’s 1%, plus a few strategies to build that first-class portfolio