Here’s the income you need to be in the top 1%, 5%, and 10% in the US — plus 3 essential tips to help you climb higher the ladder

Diversify your portfolio

While you might not have the same resources as investing legends like Warren Buffett or Bill Gates, your wealth status doesn’t have to stop you from building a diversified portfolio and increasing your financial standing.

But how should you diversify? There’s a way to build your portfolio without having to worry about making trades or choosing assets yourself.

Wealthfront has an automated investing platform that can help you grow your money in a way that aligns with your appetite for risk and long-term investing goals.

By answering a few questions, Wealthfront helps you determine your risk tolerance and optimal asset allocation. It then crafts a diversified portfolio, spanning from a range of ETFs – from stocks and bonds to real estate.

By signing up now, Wealthfront offers an extra $50 to help kickstart your investing journey.

If you are a few more rungs up the ladder toward the top 1% and you’ve achieved the title of accredited investor, you may want to consider commercial real estate as part of your expanded portfolio.

Commercial real estate has long been touted as a wise investment for adding stability to your portfolio, outperforming the S&P 500 over a 25-year period.

Private equity firm First National Realty Partners (FNRP), which specializes in grocery-anchored retail with historically strong return potential, allows accredited individual investors to access institutional-quality commercial real estate investments — without the leg work of finding deals yourself.

FNRP has developed relationships with the nation’s largest essential-needs brands, including Kroger, Walmart and Whole Foods, and provides insights into the best properties both on and off-market.

Their secure online platform makes investing in commercial real estate convenient and simple. You can engage with experts, explore available deals and easily make an allocation, all in one personalized portal.

Invest in real estate without the headache of being a landlord

Imagine owning a portfolio of thousands of well-managed single family rentals or a collection of cutting-edge industrial warehouses. You can now gain access to a $1B portfolio of income-producing real estate assets designed to deliver long-term growth from the comforts of your couch.

The best part? You don’t have to be a millionaire and can start investing in minutes.

Learn More

Put your savings to work

If you think of savings as a seed, the best thing you can do to help them grow is to find some solid soil to plant them in.

This means using a savings vehicle with a high interest rate. The average APY for savings accounts is 0.45%, but there are accounts out there that return at rates far higher.

We’ve compiled a list of the Best High-Yield Savings Accounts of 2024 so you can have a streamlined look at what high-yield savings account is best for your savings to grow over time.

Work with a professional

Sometimes, accepting that you need help is the first step to getting a hold on your finances — especially if you’re aiming to reach the top 1%.

Zoe Financial will connect you with vetted financial advisers who can help you achieve your financial goals.

All you have to do is share some brief details and in a few minutes you’ll be matched with registered financial advisers.

You can then view their profiles, which showcase their experience. And you can even book an initial consultation with them on the spot, 100% free of charge — with no obligation to hire.