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Wealth advisors say some affluent houses are looking to shed some assets as early as 2026 to improve liquidity, reduce concentration risk and simplify portfolios.
JPMorgan Private Bank’s 2026 Outlook Note that many wealthy investors are holding more cash and prioritizing flexibility as inflation and global fragmentation reshape portfolio strategies.
Advisers say the types of holdings upper-class families are most likely to reconsider.
concentrated stock positions
After years of strong market gains, some affluent investors are finding that a single company is now making up a large portion of their wealth.
Srebuhi Avetisyan, leads research and analysis owner.oneFounders and executives are “starting to reduce single-stock concentration, particularly positions that have grown ‘organically’ during strong equity years,” said Joe, who works on asset organization and wealth transfer with high net worth families around the world.
He said the volatility prompts wealthy investors to reevaluate risk through a generational lens rather than a quarterly one.
Non-Prime Real Estate
High borrowing costs and weak returns in some markets are fueling the selling of secondary assets. Alina Trigub, Managing Partner samo financialSaid that some affluent households are “dumping non-core real estate assets” as loan resets and refinancing have become less attractive.
Instead of balking at higher rates, many are restructuring portfolios to focus on assets that generate reliable income, he said.
Illiquid private investments and complex holdings
Liquidity and simplicity are becoming increasingly important in a high-rate environment. Avetisyan said wealthy houses are “strategically simplifying” by cutting down on complex cross-border assets such as private equity funds, minority stakes in private companies and offshore real estate held through offshore entities.
“It’s not necessarily about fear. It’s about optionality,” he said.
Reducing opaque or difficult-to-transfer assets can make it easier to manage wealth and transfer it to the next generation.
capital-intensive lifestyle assets
Some high net worth families are also reconsidering expensive lifestyle properties that have high fixed costs. Andrew Bahlman, Co-Founder Deal Leaders InternationalSaid that affluent investors are reducing investment in “capital-intensive lifestyle assets” such as luxury properties and private jets.
“It’s not because of fear, it’s discipline,” he said.
Moving away from coveted assets and toward income-generating investments can improve cash flow and flexibility.
A strategic reset, not a comeback
Advisors say these moves reflect portfolio discipline rather than panic. In a higher rate, more uncertain environment, affluent investors are prioritizing liquidity, flexibility and cash flow to keep the assets they are selling while being transparent and productive.