*Even Rich People Struggle with Managing Money* A recent survey shows that even HNI (High Net-worth Individuals) — people who have more than ₹10 crore in wealth — also face money problems. *📊 Key Findings from the Survey:* 💰 Savings Habits: • 63% of HNIs save more than 30% of their income. • But still, many are not meeting financial goals. • 43% save less than 20%, which is too low. 📉 Investment Problems: • Low returns, lack of knowledge, and fear of equity are big issues. • Only 17% invest over 30% of wealth in equities. • While 44% say they are comfortable with equity, they don’t invest much in it. *🏦 Asset Allocation:* • 65% invest only 10–20% in gold/silver. • 48% invest more than 30% in real estate. • Only 1 in 3 HNIs invest over 20% in assets other than home. *💳 Debt Worries:* • 4 in 10 HNIs have at least one open loan. • Emergency funds are missing — 14% don’t have any! *🌍 Global Investing:* • 30% feel comfortable investing globally. • But many are still new to this idea. *🧑‍💼 Advisors Not Trusted:* • 87% rely on advisors like CAs, family, or bankers. • But 1 in 3 are unhappy with the advice they get. 🚩 Conclusion: Even rich people face money stress due to: • Poor planning • Lack of diversification • Fear of equity markets • Over-reliance on real estate and poor advice They need better financial planning, not just more money.