我們中的大多數人有點現金可以做投資時，可能會買個共有基金或者股票——前提是我們不把錢花在最新的科技小物件上。但真正有錢人不會這樣。他們會把錢投在房產、藝術領域和生意場，還會做些其他投資，都是些我們夢寐以求的。這一小眾群體處理現金的方式和我們有別，也讓他們始終有盈余。

以約書亞·科爾曼為例，2004年他家里以4億美元把他們總部在芝加哥的電信公司售出時，他們并沒把錢花揮霍殆盡掉，也沒有購進奢侈品。相反，他們尋求建議，如何讓新得的這筆財富增值。

科爾曼現年27，當時他們的探索讓科爾曼靈機一動心生一計。2011年，他發起了“動量先行計劃”，這是家公司，旨在牽線搭橋稅收、法律還有財富方面專家。如果哪天開始盈利，他將獲利不菲，正如他的家族的第一個公司那樣。你要是覺得靠創業來投資不靠譜，那你估計也不會是超級富有的那類。

擁有三千萬資產的人士，即高資產值人士，投資股票和債券，但他們也購入公司，投資冷門證券，如航空租賃基金讓錢生錢利滾利。他們也擁有藝術品和轎車，期望來日增值。

“這被稱之為阿爾法風險，”科爾曼說道，“這種風險會有很多轉機”。至于不利的那面，這種投資比傳統投資風險大得多，所以喪失機會的概率也更高。同樣，這種投資流動性小，不及股票，可能需要幾個月甚至幾年才能把資金從投資中收回。

即使你沒有好幾百萬來投資，但至少你多多少少可以學到富人如何獲取收益，然后運用到你自己的投資組合中。 （中國進出口網）

When many of us have a little cash to invest, we might buy a mutual fund or a stock — if we don’t blow it on the latest tech gadget. Not the truly wealthy, however. They often put their money in property, art, businesses and other investments that the rest of us can only dream of owning. How this rarified group uses their cash differentiates them from the rest of us — and keeps them in the black.
Take Joshua Coleman, for example. When his family sold their Chicago-based telecom company for $400m in 2004, they didn’t run out and buy something extravagant. Instead, they began seeking advice on ways to save their newfound riches and help them grow.

Their quest sparked an idea for Coleman, now 27. In 2011, he launched Momentum Advanced Planning — a firm that connects people to tax, legal and wealth experts. If the business one day sells, he could see a big return, just like his family’s first business.If you think that starting a business is an odd way to invest your money, then you probably aren’t among the ultra-wealthy.

People who have at least $30m in assets — dubbed ultra high net-worth — invest in stocks and bonds, but they also grow their money by buying companies and investing in unusual securities, such as airline leasing funds. They also own art and cars that they hope will appreciate in value.

“It’s called alpha risk,” said Coleman. “It’s this kind of stuff wher there can be a lot of upside.”As for the downside, many of these investments are riskier than traditional investments, so there’s a higher chance of losing a large chunk of change. As well, they’re far less liquid than stocks and it could take months or years for the wealthy to get their money out of an investment.

Even if you don’t have millions to invest, though, you can learn a thing or two about how the rich reap returns and apply it your own portfolios.