The UAE’s net wealth rose 12.7% to $3.6T in 2025 and is forecast to approach $6T by 2030, according to Boston Consulting Group’s (BCG) Global Wealth Report 2026: The Great Reordering.
Net wealth increased from $3.2T in 2024 to $3.6T in 2025, with a projected compound annual growth rate (CAGR) of 10.6% through 2030. The forecast represents an increase of more than $2.3T over the next five years.
Financial wealth, including investable and non-investable assets, grew 12.3% from $1.2T in 2024 to $1.4T in FY25. BCG projects financial wealth will reach $2.1T by 2030, at a CAGR of 8.7%.
Real assets increased from $2.2T in 2024 to $2.4T in 2025 and are expected to reach $4.2T by 2030. Liabilities rose from $210B to $220B over the same period and are projected to reach $340B by 2030, at a CAGR of 8.9%.
Resilience: UAE Wealth Market
BCG said the UAE’s wealth market had demonstrated resilience despite global volatility and heightened geopolitical uncertainty.
“The ongoing conflict has introduced short-term volatility across Middle Eastern markets, with investor sentiment shaped by geopolitical uncertainty and oil-price movements,” said Lukasz Rey, Managing Director and Partner, BCG.
“However, the region’s wealth development story remains structurally resilient over the five-year projection horizon. While we anticipate slightly lower growth over the next one to two years, a rebound is expected toward the latter part of the decade, supported by sovereign wealth strength, economic diversification agendas, family-business liquidity events, and continued private capital activity” said Rey.
The report identifies a broader shift across the global wealth-management industry, driven by geographic changes in wealth concentration, emerging-market wealth creation, intergenerational succession and artificial intelligence-led operating models.
Lower High-Net-Worth Segment
The UAE’s financial wealth remains concentrated among high-net-worth individuals although BCG expects the distribution of wealth to change by 2030 as the lower high-net-worth segment increases its share.
The number of ultra-high-net-worth (UHNW) individuals, defined as those with more than $100M in assets, stood at approximately 500 in 2025 and is expected to reach around 800 by 2030. Their share of total financial wealth is projected to rise marginally from 26.3% to 26.5%.
The upper high-net-worth segment, comprising individuals with $20 to $100M, is forecast to grow from approximately 2,700 individuals to 4,200. Its share of wealth is expected to remain broadly stable, increasing from 7.4% in 2025 to 7.6% in 2030.
The lower high-net-worth segment, with assets of $1M to $20M, comprises approximately 200,000 individuals. Its share of financial wealth is expected to increase from 29.3% in 2025 to 31.5% by 2030.
The affluent segment, defined as individuals with $250,000 to $1M, is projected to expand from approximately 500,000 people to 600,000 by 2030. Its share of wealth is forecast to decline from 15.5% to 14.6% as wealth spreads across a larger population.
The mass segment, comprising individuals with less than $250,000, remains the largest by population. It is expected to grow from roughly 8.6M people to 9M while its share of financial wealth falls from 21.5% to 19.8%.
Cross-Border Wealth Flows
Cross-border financial wealth belonging to UAE residents but booked outside the country increased 9.4% between 2024 and 2025 to $468.4B.
BCG forecasts this figure will reach $678.2B by 2030, representing a CAGR of 7.7%.
Separately, cross-border wealth belonging to international clients and booked in the UAE reached $721B in 2025, up 11.1% YoY, strengthening the country’s position as a global wealth-booking centre.
Currency and deposits, valued at $471.8B in 2025, are projected to reach $778.9B by 2030, at a CAGR of 10.5%.
Bonds are forecast to increase from $15.9B in 2025 to $27.8B by 2030, representing a CAGR of 11.8%. Equities, valued at $419.4B in 2025, are expected to reach $591.9B over the same period, at a CAGR of 7.1%.
Life insurance and pensions are projected to grow from $26.6B in 2025 to $48.4B by 2030, at a CAGR of 12.7%.
AI Reshapes Wealth-Management
BCG’s report identifies artificial intelligence as a growing influence on wealth-management operating models, with tools already being used to draft financial plans, automate compliance documentation, generate portfolio rationales and predict client churn.
According to the report, AI-first wealth managers could unlock capacity gains of 25%-30% across key workflows while increasing revenue per advisor by 15%-20%.
The report points to a growing divide between firms redesigning workflows around AI agents and those adding AI tools to existing processes.
“The UAE’s wealth pool is set to grow by more than $2T over the next five years, and the constraint on capturing that growth is advisor capacity rather than client demand,” said Mohammad Khan, Managing Director and Partner at BCG.
“Firms that are redesigning their workflows around AI agents are creating the headroom to serve a larger client base without diluting the quality of advice. Those layering AI onto legacy processes are paying for the technology without changing their economics, and that gap widens the longer it is left” said Khan.
BCG said wealth managers should prioritise identifying processes suited to automation, deploying AI across high-cost workflows and integrating AI into advisors’ daily work.
Other priorities include embedding institutional knowledge into AI agents by pairing experienced practitioners with engineers, and preparing technology infrastructure to support agents through a decoupled data layer.
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