---
title: Investing as a High Net Worth Individual 
description: Understand the criteria to qualify as a High Net Worth Individual for the purposes of investing on Floww.
---

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# Investing as a High Net Worth Individual

## Understand the criteria to qualify as a High Net Worth Individual for the purposes of investing on Floww.

You qualify as a High Net Worth Individual if at least **one** of the following statements are true:  

- I had, throughout the financial year immediately preceding today's date, an annual **income** to the value of **£100,000 or more**. Annual income for these purposes does not include money withdrawn from my pension savings (except where the withdrawals are used directly for income in retirement).

 OR 

- I held, throughout the financial year immediately preceding today's date, **net assets** to the value of **£250,000 or more**. Net assets for these purposes do **not** include:

- - the property which is my primary residence, or any money raised through a loan secured on that property; or

- - any rights of mine under a qualifying contract of insurance; or

- - any benefits (in the form of pensions or otherwise) which are payable on the termination of my service or on my death or retirement and to which I am (or my dependants are), or may be, entitled; or

- - any withdrawals from my pension savings (except where the withdrawals are used directly for income in retirement).

Additionally, you should be aware that the investment opportunities on Floww may expose you to risk of losing all the money invested. You should also be aware that you may wish to seek advice from an authorised person who specialises in advising on non-readily realisable securities, though Floww does not offer these services.  

When investing via Floww, if you select this as your categorisation, you may be required to provide evidence on how you meet these requirements to our internal Compliance team as part of our standard due diligence checks. 

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