High-net-worth individual (HNWI) is a term used by some segments of the financial services industry to designate persons whose investible assets (such as stocks and bonds) exceed a given amount. Typically, these individuals are defined as holding financial assets (excluding their primary residence) with a value greater than US$1 million. However, there are distinct classifications of HNWI and the exact dividing lines depend on how a bank wishes to segment its market. For example, an investor with less than US$1 million but more than US$100,000 is considered to be "affluent", or perhaps even "Sub-HNWI". "Very-HNWI" (VHNWI) can refer to someone with a net worth of at least US$5 million. By 2007, the expansion of HNWI assets led to the creation of a super class of HNWIs, known as Ultra-high-net-worth individuals (UHNWIs), i.e. those with US$30 million in liquid financial assets according to the Capgemini and Merrill Lynch World Wealth Report 2006 or with a disposable income of more than US$20 million. At the end of 2015, there were just over 13 million HNWIs in the world. The United States of America had the highest number of HNWIs (4,180,000) of any country, whilst London had the most HNWIs (370,000) among cities as based on data from the Knight Frank Wealth Report

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