Portfolio Diversification

Four Layers, One Portfolio: How HNW Investors Can Rebuild Diversification as Old Correlations Break Down

High-net-worth investors need a new diversification strategy as traditional stock-bond splits falter due to breaking correlations. A four-layer framework—core public markets, real assets, private markets, and alternatives & hedges—assigns specific roles like liquidity, inflation hedging, and uncorrelated growth to rebuild portfolio resilience.