[Insights Article] MAS’s New Retail Investment Proposal: What Wealth Planning Means to Multi-generations

The Monetary Authority of Singapore’s (MAS) recent proposal to broaden retail access to private market funds is a milestone in democratizing alternative investments. As access expands, ultra-high-net-worth individuals (UHNWIs) remain focused on long-term goals: wealth preservation, risk mitigation, and legacy planning.

At Lioner, we see this shift as a chance to reaffirm the need for structured, bespoke solutions. Increased access comes with greater complexity and risk—making sophisticated planning more essential than ever. Through our integrated 3-in-1 business model—spanning insurance, trust, and family office advisory services—we help families protect and grow wealth across generations.

Trusts and Insurance: The Foundation of Smart Structuring

Private market investments—like private equity and venture capital—offer strong return potential but come with risks such as illiquidity and long lock-in periods. As retail investors enter these markets, UHNWIs are reminded of the importance of risk insulation.

With broader strategy involving diversification, rebalancing and intergenerational transfer, trust structures are crucial for separating high-risk assets from the broader estate, offering legal protection and long-term governance while insurance solutions add safeguards like guaranteed elements and death benefits—helping shield beneficiaries from volatility.

“Markets may open, but meaningful wealth planning still requires closed-loop solutions.”

Next-Gen Planning in a Changing Investment Landscape

MAS’s move also signals rising interest in alternatives from next-generation wealth holders. At Lioner, we help families educate heirs while managing the risks of these complex assets.

“Our role is to optimize—not maximize—exposure.”

Why Tailored Planning Still Matters

While access is expanding, UHNW families require more than entry—they need alignment with legacy goals and governance frameworks. Lioner’s [PT1] expertise ensures families can future-proof their wealth with confidence.

“For UHNW families, access is not the barrier—alignment with legacy goals is.”

As private markets become more inclusive, the demand for personalized, strategic wealth planning becomes even more critical. At Lioner, we ensure access is not just broader—but smarter.