Ramit SethiRamit Sethi: The No-BS Guide to Living a Rich Life

Secret Wealthy Investments? They’re Trash.

2 Jan 2026 · 0 min

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Ramit Sethi argues that the idea wealthy people possess secret, massively outperforming investments is incorrect. While wealthy individuals may access different investment products, many of those are high-fee, illiquid, and poor-performing; Sethi recommends simple, low-cost index funds as often the best option.

If you think that wealthy people have access to these secret investments that get them 10 times the returns, you're wrong. Yes, wealthy people have access to different investments, but most of those investments are dog. They're larded up with fees. They're horribly illiquid. They're terrible. The best investments that wealthy people have access to are almost always simple, low cost index funds.