
Millionaires make up about 2% of the adult population in the United States, according to a wealth report by Henley & Partners. It’s a select group, overall. For self-made millionaires, it usually takes good money management and smart investing to get there.
If you want to get better at investing, it makes sense to learn from the people who have been successful at it. Here are a few of the most common millionaire investing habits.

- They invest in stocks, real estate, and their own businesses
Wealthier Americans distribute their money differently than everyone else. Visual Capitalist created a chart breaking down average asset distribution at each net worth tier, starting at $10,000 and going all the way up to those with $1 billion.
Millionaires put their money into appreciating assets (assets that can grow in value). In particular, people with net worths of $1 million or higher tend to have more of their money in the following:
- Stocks/mutual funds
- Real estate
- Business interests
Those in the $10,000 and $100,000 tiers invest in those, too, but not nearly as much. They have a much larger portion of their wealth in their primary residences and their vehicles.
Fortunately, you don’t need to be a millionaire to invest in the same types of assets. You can buy stocks, mutual funds, and real estate investment trusts (REITs) with many online stock brokers.