Ultra high net worth individuals (UHNWIs) are individuals or families who have, by one definition, at least US$30 million in investable assets, or with a disposable income of more than US$20 million. The exact dividing lines depend on how a bank wishes to segment its market; for example, the term "very high net worth individuals" can refer to those with assets between $5 million and $50 million, with ultra high net worth individuals only those with above $50 million.