The VIP Automation Layer
Forget about regular robo-advisors. People with high incomes can use advanced private banking tools that match their way of living. Picture a service that automatically takes 3% of your monthly pay and invests it in a personalized fund crafted by experts in luxury stocks and private real estate. This all happens without you needing to log in. These services change investment amounts according to how you spend money, moving extra funds from underused credit lines into accounts with higher interest, while still keeping your cash available for unexpected luxury buys.
Passive Alternative Pools
Avoid exploring individual alternative assets that require extensive research. Instead, choose “lazy luxury pools” that are managed for you. These groups invest in shared ownership of private jets, rare whiskey barrels, or prestigious vineyards—assets that grow in value with little supervision needed. All you have to do is a one-time setup to invest 15% of your cash. The managers of the pool take care of buying, maintaining, and selling, providing you with quarterly returns that typically exceed those of traditional index funds, all without you needing to put in any effort.
Tax-Loss Harvesting on Autopilot
Individuals with high incomes often navigate complicated tax situations, but a simple solution exists. Consider using a tax optimization service that connects with your investment accounts. This service finds assets that aren’t performing well, sells them to balance out capital gains, and swaps them with comparable, yet different, investments—all in compliance with IRS guidelines. Dubbed the “lazy tax shield,” this process operates in the background, potentially saving you hundreds of thousands each year without requiring you to check any forms.
The Invisible Cash Flow Boost
Utilize your current resources with minimal effort. A high-end service has the option to lease your vacation home when you're not there, take care of reservations via luxury travel websites, and place the earnings directly into your investment account. In the same way, art storage spaces are now providing "exhibition programs"—showcasing your artwork in carefully curated exhibitions to collect licensing fees while keeping the right environment for your pieces. These methods transform unused assets into sources of income without extra hassle.
Quarterly Check-In Rituals, Not Daily Logins
Swap constant tracking for a simple 30-minute lunch review every three months. During this time, your wealth manager shares a single-page summary detailing the performance of each automated investment stream, any necessary minor tweaks to your allocations due to life changes (like buying a new home), and chances to boost underperforming investments. This practice keeps you updated without added anxiety, transforming financial management into an easy routine.
For high-income earners, lazy investing is less about reducing effort and more about delegating tasks effectively. By integrating financial growth into your daily habits, you achieve consistent returns while keeping time for what truly matters: enjoying your accumulated wealth. The best part? It feels seamless because it’s structured to fit your hectic schedule instead of disrupting it.
