Actually, it will probably be taxed at a lower rate. Interest on a savings account is taxed as ordinary income, while investment income on a $50m portfolio will likely be taxed at the 15% (or perhaps 20%) capital gains rate.
There's no need to "structure" that. Buy stock and hold will do it.
One example is if you had $10m in real estate, infinitebank with loan you super low interest rate and then you invest it in a limited $200m fund which had some quasi-guaranteed rate. I can't remember the details but the risk was zero or low. Can't remember the fund name.
However, the advisor to the 50k person probably knows more than the advisor to the 50m person. The high networth advisor is even more of a salesman with no real knowledge.
But at the world's largest wealth management firms, 50m clients are not so encouraged. Wouldn't want to be a threat to the Managing Director or CEO.
I cannot disagree more. At 50m you have a totally different perspective in this day and age. Investment for profit is often not the primary concern. Wealth protection, transfer from one generation to another, access control, family members, lawsuits ... lots of things that are not relevant with 50k in the bank but become big deals with 50m. The investment advice sought and offered to those with 50m to protect is altogether a different product than that offered to those with 50k.
If you have 50m in the bank, "saving" for your kid's college expenses is a radically different question than if you only have 50k. Protection is far more a priority than any 'saving' concept.
And taxes! That tiny amount of interest on 50k won't be taxed at nearly the same rate as that from 50m. Therefore an expensive but "tax efficient" scheme based on expensive lawyer advice, not robots, is worth the money.