High New Worth (HNW) and sophisticated investing refer to investment strategies and tactics used by individuals or entities with a high level of financial wealth. These investors typically have significant assets under management and can make substantial and more complex investments than retail investors. As a result, HNW and sophisticated investors may have access to a broader range of investment options, such as hedge funds, private equity, private debt, and venture capital, which can offer the potential for higher returns but also carries a considerable amount of risk.

These investors often have a long-term investment horizon. Based on their respective investor risk profile, they may be willing to tolerate a moderate level of risk to achieve high-income but moderate growth returns or higher levels of risk to achieve higher capital growth returns.

Generally, HNW & sophisticated investors tend to have a strong understanding of the markets and a high degree of financial sophistication, which enables them to make more informed investment decisions. Such investors may also have access to professional investment advice and employ investment strategies such as diversification and risk management to help protect their wealth.