Миллионер: определение и статистика состояния

Individual whose wealth is more than one million units of currency

A millionaire is an individual whose net worth or wealth is equal to or exceeds one million units of currency. Depending on the currency, a certain level of prestige is associated with being a millionaire. Many national currencies have, or have had at various times, a low unit value, in many cases due to past inflation. It is much easier and less significant to be a millionaire in those currencies, thus a millionaire (in the local currency) in Hong Kong or Taiwan, for example, may be merely averagely wealthy, or perhaps less wealthy than average. A millionaire in Zimbabwe in 2007 could have been extremely poor. Because of this, the term 'millionaire' generally refers to those whose assets total at least one million units of a high value currency, such as the United States dollar, euro, or pound sterling. as of 2022, there were estimated to be just over 15 million millionaires in the world according to the World's Wealthiest Cities Report 2023 by Henley & Partners. The United States had the highest number of millionaires (5.3 million) of any country, whilst New York is the wealthiest city with 340,000 millionaires. In countries that use the short scale number naming system, a billionaire is someone who has at least a thousand times a million dollars, euros or the currency of the given country.

The word "millionaire" was apparently coined in French in 1719 to describe speculators in the Mississippi Bubble who earned millions of livres in weeks before the bubble burst. (The standard French spelling is now millionnaire, though the earliest reference uses a single n. The OED's first print citation is Benjamin Disraeli's 1826 novel Vivian Grey, The anglicisation millionary was used in 1786 by Thomas Jefferson while serving as Minister to France; he wrote: "The poorest labourer stood on equal ground with the wealthiest Millionary". While statistics regarding financial assets and net worth are presented by household, the term is also often used to describe only the individual who has amassed the assets as millionaire. That is, even though the term statistically refers only to households, common usage is often about an individual.

There are multiple approaches to determining a person's status as a millionaire. One of the two most commonly used measurements is net worth, which counts the total value of all property owned by a household minus the household's debts. According to this definition, a household owning an $800,000 home, $50,000 of furnishings, two cars worth $60,000, a $60,000 retirement savings account, $45,000 in mutual funds, and a $325,000 vacation home with a $250,000 mortgage, $40,000 in car loans, and $25,000 in credit card debt would be worth about $1,025,000; and every individual in this household would thus be a millionaire. However, according to the net financial assets measurement used for some specific applications (such as evaluating an investor's expected tolerance for risk for stockbroker ethics), equity in one's principal residence is excluded, as are lifestyle assets, such as the car and furniture. Therefore, the above example household would only have net financial assets of $115,000. Another term used is "net investable assets" or working capital. These practitioners may use the term "millionaire" to mean somebody free to invest a million units of currency through them as broker. For similar reasons, those who market goods, services and investments to HNWIs are careful to specify a net worth "not counting principal residence". At the end of 2011, there were around 5.1 million HNWIs in the United States, while at the same time there were 11 million millionaires in a total of 3.5 million millionaire households, including those 5.1 million HNWIs. In the real estate bubble up to 2007, average house prices in some U. S. regions exceeded $1 million, but many homeowners owed large amounts to banks holding mortgages on their homes. For this reason, there are many people in million dollar homes whose net worth is far short of a million—in some cases, the net worth is actually negative.

While millionaires constitute only a small percentage of the population, they hold substantial control over economic resources, with the most powerful and prominent individuals usually ranking among them. The total amount of money held by millionaires can equal the amount of money held by a far higher number of poor people. The Gini coefficient, and other measures in economics, estimated for each country, are useful for determining how many of the poorest people have the equivalent total wealth of the few richest in the country. Forbes and Fortune magazines maintain lists of people based on their net worth and are generally considered authorities on the subject. Forbes listed 1,645 dollar billionaires in 2014, with an aggregate net worth of $6.4 trillion, an increase from $5.4 trillion the previous year. (see US dollar billionaires in the world). According to a report by Hurun, a market research firm based in China, the global billionaire population stood at 3,381 in 2022. Sixteen percent of millionaires inherited their fortunes. Forty seven percent of millionaires are business owners. Twenty three percent of the world's millionaires got that way through paid work, consisting mostly of skilled professionals or managers. Millionaires are, on average, 61 years old with $3.05 million in assets.

Depending on how it is calculated, a million US dollars in 1900 is equivalent to $ (in ). $24.8 million using the consumer price index,
$61.4 million using the gold price

Thus one would need to have almost thirty million dollars today to have the purchasing power of a US millionaire in 1900, or more than 100 million dollars to have the same impact on the US economy.

Dated ways of describing someone worth n millions are "n fold millionaire" and "millionaire n times over". Still commonly used is multimillionaire, which refers to individuals with net assets of 2 million or more of a currency. There are approximately 584,000 US$ multimillionaires who have net assets of $10M+ worldwide in 2017. Roughly 1.5% of US$ millionaires are "ultra high net worth individuals" (ultra HNWIs), defined as those with a net worth or wealth of $30 million or more. There are approximately 226,000 ultra HNWIs in the world in 2017, according to Wealth X. The rising prevalence of people possessing ever increasing quantities of wealth has given rise to additional terms to further differentiate millionaires. Individuals with net assets of 100 million or more of a currency are commonly termed centimillionaires, or more rarely hectomillionaires.

High net worth individuals (those with financial assets, not including the residence, greater than a million US dollars). HNWI Wealth Distribution (by Region) Region HNWI Population HNWI Wealth Global 12 million $46.2 trillion North America 3.73 million $12.7 trillion Asia Pacific 3.68 million $12.0 trillion Europe 3.41 million $10.9 trillion Latin America0.52 million$7.5 trillion Middle East0.49 million$1.8 trillionAfrica0.14 million$1.3 trillion

According to wealth research group Wealth X that released its latest UHNW Cities report, showing the residential footprint of the world's top ultra high net worth (UHNW) individual cities. Excluding Monaco – which has very high UHNWI density – Geneva has the highest density of super wealthy people per capita in the world. The city is known as the most compact metropolitan area, and also enjoys a concentration of affluence. Singapore has the second highest concentration, followed by San Jose, the center of Silicon Valley, and the largest city in Northern California. While New York City leads in terms of overall UHNW footprint, London has a similar number of UHNW "second homers" despite a considerably smaller population. Paris features as the second highest European city, after London, Wealth X said. Among suburbs and smaller towns, Beverly Hills has the highest overall number of UHNW residents, and Aspen has the highest concentration on a per capita basis, the report showed. Ultra high net worth individuals are defined by Wealth X as those whose total net worth is higher than $30 million (R400 million).

* indicates "Economy of LOCATION" links. +List of selected countries by Credit Suisse (2021)LocationNumber of millionaires (USD)Share of global millionaires (USD) (%)% of millionaires (USD) (% of adult population) 21,951,202 39.1 8.8 5,279,467 9.4 0.5 3,662,407 6.5 3.5 2,952,710 5.3 4.3 2,498,939 4.4 4.9 2,490,952 4.4 4.7 1,804,644 3.2 9.4 1,681,969 3.0 5.6 1,479,830 2.6 3.0 1,146,911 2.0 3.0 1,051,104 1.9 2.5 1,039,239 1.9 7.7 1,034,918 1.8 14.9 697,655 1.2 0.1 608,997 1.1 3.1 570,439 1.0 7.3 520,000 0.9 8.3 514,859 0.9 5.7 346,172 0.6 4.8 306,823 0.5 6.7 269,925 0.5 5.5 268,550 0.5 0.2 264,034 0.5 0.3 236,000 0.4 1.0 225,487 0.4 6.3 207,000 0.4 0.1 181,727 0.3 5.0 176,630 0.3 4.2 171,740 0.3 0.1 169,113 0.3 2.1 164,899 0.3 2.9 149,120 0.3 0.5 136,430 0.2 1.6 115,473 0.2 0.2 86,216 0.2 0.2 85,114 0.2 1.9 81,000 0.1 0.1 78,650 0.1 2.5 72,367 0.1 0.9 70,000 0.1 0.1