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The financial landscape is in constant flux, and 2025 is shaping up to be a pivotal year for global wealth strategy. As we navigate persistent inflationary pressures and the rapid integration of new technologies, investors are increasingly focused on building resilient portfolios. This year's approach is marked by a strategic blend of established investment vehicles, emerging digital assets, and tangible resources designed to preserve and grow capital. Understanding these trends is key to staying ahead and ensuring your wealth not only keeps pace with inflation but also thrives in an evolving economic environment. From the continued dominance of ETFs to the sophisticated integration of cryptocurrencies and the enduring appeal of real assets, the path to robust wealth management in 2025 is multifaceted and dynamic.
The Evolving Landscape of Global Wealth
Global private wealth has seen remarkable growth, reaching an estimated $255 trillion by March 2025, with projections indicating a continued ascent to approximately $330 trillion by 2030. This expansion is not uniform, with the Asia-Pacific region demonstrating a notably higher wealth growth rate than Europe and the United States. This geographical shift underscores the increasing influence of emerging economies and their burgeoning middle classes on the global financial stage. The very nature of wealth management is transforming, driven by a confluence of megatrends: advancements in transformative technologies like AI and blockchain, critical environmental and resource considerations such as climate change and sustainability, groundbreaking progress in health and healthcare, and societal shifts including an expanding global middle class.
These macro forces are fundamentally reshaping investor behavior and demand. We're observing a significant pivot towards personalization, transparency, and the strategic leveraging of technology. The days of one-size-fits-all investment advice are rapidly fading, replaced by a need for tailored solutions that align with individual risk appetites, ethical considerations, and long-term financial goals. Furthermore, the demand for security, privacy, and cross-border compliance is intensifying, particularly as global interconnectedness grows. Investors are more informed and discerning than ever, seeking not just returns, but also alignment with their values and robust protection against market uncertainties.
The strategic response to these shifts is a more sophisticated approach to diversification and risk management. While traditional asset classes remain relevant, there's a growing recognition of the need to incorporate a broader spectrum of investments to effectively hedge against various economic headwinds, most notably inflation. This strategic evolution necessitates a deep understanding of how different asset classes perform under varying economic conditions and how technological advancements can enhance both the efficiency and effectiveness of investment strategies. The goal is to build portfolios that are not only capable of generating returns but are also resilient and adaptable to the complex challenges and opportunities of the modern financial world.
My opinion: The accelerated wealth growth in the Asia-Pacific region signals a fundamental rebalancing of global economic power. Investors must acknowledge this shift and adapt their strategies to capture opportunities in these dynamic markets, while also ensuring they maintain a diversified approach to mitigate any regional-specific risks.
Global Wealth Growth Comparison (2025 Projections)
| Region | Current Wealth (Mar 2025 Est.) | Projected Wealth (2030 Est.) | Growth Trend |
|---|---|---|---|
| Global Average | $255 Trillion | $330 Trillion | Steady Growth |
| Asia-Pacific | N/A | N/A | Significantly Higher Growth Rate |
| Europe & USA | N/A | N/A | Lower Growth Rate |
ETFs: The Engine of Diversification
The Exchange Traded Fund (ETF) market continues its impressive trajectory, setting new records for growth and investor adoption. In 2024, assets under management in ETFs globally (excluding China and India) reached a staggering $14.5 trillion, bolstered by record net inflows of $1.59 trillion. This surge is further evidenced by an all-time high in new ETF launches, signaling an expanding universe of investment products catering to a wider array of investor needs and preferences. The trend towards actively managed ETFs is particularly noteworthy, with significant expansion observed across the US, Europe, and Canada. These actively managed funds offer investors the potential for specialized strategies and alpha generation, moving beyond passive index tracking.
The European ETF market is projected to grow by at least 25%, surpassing $2.8 trillion in assets. This expansion highlights the increasing trust and utility investors place in ETFs for building diversified portfolios. The "Core & Explore" investment methodology is gaining prominence, advocating for a foundation of broad-based ETFs for core exposure, complemented by more targeted, thematic investments for exploring specific growth areas or sectors. This balanced approach allows investors to benefit from broad market participation while also capitalizing on niche opportunities. For instance, ETFs like the S&P 500 Equal Weight ETF (QUS) offer balanced sector exposure, potentially benefiting from market breadth, while the Global Cybersecurity ETF (HACK) provides access to a critical growth sector driven by technological advancements.
The sheer volume and diversity of ETF offerings mean that nearly any investment theme or asset class can be accessed efficiently. From commodity exposure like the Gold Bullion Currency Hedged ETF (QAU) and Global Gold Miners Currency Hedged ETF (MNRS) to thematic plays such as the Global X MLP ETF (MLPA) for energy infrastructure, ETFs simplify complex investment strategies. Even direct exposure to digital assets is becoming more accessible through ETFs like the Fidelity Wise Origin Bitcoin Fund (FBTC), reflecting the growing integration of alternative assets into mainstream portfolios. The continuous innovation in ETF structures and strategies underscores their role as a foundational element of modern wealth management, providing liquidity, transparency, and cost-effectiveness.
My opinion: The exponential growth of ETFs, especially actively managed ones, indicates a maturing market that is increasingly sophisticated. Investors are seeking not just broad diversification but also specialized expertise accessible through these flexible vehicles. Keeping abreast of new ETF launches and their underlying strategies is crucial for optimizing portfolio construction.
Popular ETF Categories and Examples
| Category | Example ETF | Investment Focus |
|---|---|---|
| Broad Market US Equity | S&P 500 Equal Weight ETF (QUS) | Balanced exposure across S&P 500 companies |
| Thematic Technology | Global Cybersecurity ETF (HACK) | Companies in the cybersecurity sector |
| Precious Metals | Gold Bullion Currency Hedged ETF (QAU) | Currency-hedged gold bullion exposure |
| Energy Infrastructure | Global X MLP ETF (MLPA) | Master Limited Partnerships in energy infrastructure |
| Digital Assets | Fidelity Wise Origin Bitcoin Fund (FBTC) | Direct Bitcoin exposure via a spot ETF |
Cryptocurrencies: From Speculation to Strategic Hedge
Cryptocurrencies are increasingly shedding their image as purely speculative assets and are being strategically integrated into portfolios, particularly as a hedge against inflation. This shift is supported by a growing user base, with approximately 600 million users worldwide, and a total market capitalization of global crypto assets reaching around $3.7 trillion in October 2025. Institutional validation is a major driver of this evolution, exemplified by the substantial inflows into Bitcoin spot ETFs. This adoption signals a growing acceptance of digital assets as a legitimate component of diversified investment strategies. Projections suggest continued market expansion, with potential for new innovative coins and the introduction of multi-coin crypto ETFs, further enhancing accessibility and diversity.
The tokenization of real-world assets (RWAs) is another significant development, with projections indicating it will exceed $50 billion in value by 2025. This process bridges the gap between traditional assets and the blockchain ecosystem, unlocking new avenues for investment and liquidity. Crypto hedge funds are also experiencing substantial growth, with assets under management expected to surpass $75 billion in 2025, indicating increased institutional interest and sophisticated trading strategies in the digital asset space. This growth is occurring alongside a notable shift in investor behavior, particularly in East Asia and the Middle East, moving from volatile speculative trading towards more structured and regulated crypto strategies.
The narrative of Bitcoin as "digital gold" is solidifying, positioning it as a potential store of value and a hedge against currency debasement. While Bitcoin has historically shown volatility, its long-term performance and correlation with inflation have drawn significant attention. Ethereum (ETH) continues to be a cornerstone of the decentralized ecosystem, powering a vast array of decentralized applications (dApps), decentralized finance (DeFi) protocols, and non-fungible tokens (NFTs). Ongoing upgrades aim to enhance its scalability and efficiency, further cementing its utility and value proposition.
The regulatory landscape is also evolving, with key markets like the U.S. and the EU expected to finalize comprehensive crypto regulations in 2025. The EU's Markets in Crypto-Assets (MiCA) regulation, for instance, seeks to establish uniform legal standards, providing greater clarity and security for both investors and businesses. This regulatory clarity is vital for fostering broader institutional adoption and ensuring the long-term sustainability of the crypto market. Investors are increasingly prioritizing security, privacy, and compliance when engaging with digital assets, reflecting a more mature and risk-aware approach.
My opinion: The transition of cryptocurrencies from niche speculative assets to recognized inflation hedges and integral portfolio components is a testament to their growing maturity. Regulatory clarity will be a critical factor in unlocking further institutional capital and ensuring sustainable growth, making it an exciting area for forward-thinking investors.
Crypto Market Highlights and Trends (2025)
| Metric | Value / Trend | Significance |
|---|---|---|
| Total Market Cap | ~$3.7 Trillion (Oct 2025) | Indicates substantial market size and investor participation. |
| User Base | ~600 Million Worldwide | Shows broad adoption and network effect potential. |
| Institutional Adoption | Increased via Spot ETFs | Validates crypto as an investment asset class. |
| RWA Tokenization | Projected >$50 Billion by 2025 | Bridging traditional and digital finance. |
| Hedge Fund AUM | Projected >$75 Billion in 2025 | Growing sophisticated capital deployment. |
Real Assets: Anchors in Inflationary Seas
In an environment marked by persistent inflation, real assets are regaining prominence as investors seek tangible stores of value that can preserve purchasing power. Commodities, real estate, and precious metals have historically demonstrated a capacity to perform well during inflationary periods, making them attractive components of an inflation-proof investment strategy. The strong performance of gold in 2025, surging over 55% and outperforming Bitcoin significantly, highlights its enduring appeal as a safe-haven asset and inflation hedge. Between 2021 and November 2025, gold prices saw an impressive increase of 125.7%, with silver also experiencing substantial gains of 116.3% during the same period. This demonstrates the tangible asset class's resilience and ability to act as a bulwark against currency debasement.
Real Estate Investment Trusts (REITs) offer a liquid way to gain exposure to the real estate market, which can benefit from rising property values and rental income that often keeps pace with inflation. Similarly, Master Limited Partnerships (MLPs), particularly in the energy infrastructure sector, can provide inflation-linked income streams. ETFs focused on these sectors, such as the Global X MLP ETF (MLPA), offer diversified exposure and professional management, making them accessible to a broader range of investors. Physical gold and silver ETFs, like SPDR Gold Trust (GLD) and iShares Silver Trust (SLV), provide straightforward access to precious metals, acting as direct hedges against economic uncertainty and currency devaluation.
The appeal of real assets lies in their intrinsic value and their tendency to hold their worth, or even appreciate, when the purchasing power of fiat currencies diminishes. Unlike financial assets, which can be susceptible to market sentiment and abstract valuations, real assets are physical or income-producing entities that have tangible utility. This inherent tangibility provides a psychological as well as financial cushion during turbulent economic times. The robust performance of commodities like gold and silver in 2025 reinforces the thesis that, in periods of rising prices and economic uncertainty, investors gravitate towards assets that have a proven track record of retaining value.
Furthermore, the investment in real assets isn't solely about inflation hedging; it's also about income generation and long-term capital appreciation. Properties can generate rental income, commodities can be essential inputs for industrial production, and precious metals have both industrial and investment demand. The careful selection of real asset investments, often facilitated through diversified ETFs or direct ownership where feasible, forms a critical part of a resilient wealth strategy. This focus on tangible wealth provides a grounding influence on a portfolio, balancing the often-more-volatile nature of financial and digital assets.
My opinion: Real assets are not just a hedge against inflation; they are fundamental components of wealth preservation that offer a different risk-return profile than stocks or bonds. Their tangible nature provides a unique form of security, especially in times of economic uncertainty and currency debasement concerns.
Real Asset Investment Avenues
| Asset Class | Example | Inflation Hedge Mechanism | Income Potential |
|---|---|---|---|
| Precious Metals | Physical Gold & Silver ETFs (GLD, SLV) | Store of value, hedge against currency debasement. | Limited (appreciation driven) |
| Real Estate | REIT ETFs | Rising property values and rents during inflation. | Rental income distributed as dividends. |
| Infrastructure | MLP ETFs (MLPA) | Contracts often include inflation-linked adjustments. | Distributions often tied to cash flows. |
| Commodities | Broad Commodity ETFs | Prices often rise with general inflation. | Generally limited, driven by price appreciation. |
Technology's Transformative Role
Transformative technologies are no longer just buzzwords; they are actively reshaping the financial industry and how wealth is managed. Artificial Intelligence (AI), blockchain, and the Internet of Things (IoT) are at the forefront of this revolution, influencing business operations and investment strategies. The emphasis is increasingly on leveraging data-driven insights to enhance investment advice, improve operational efficiency, and create more personalized client experiences. A transparent and ethical approach to AI is paramount, ensuring that technology serves as a tool to augment human expertise rather than replace it, and that data is used responsibly and securely.
AI is being deployed to analyze vast datasets, identify market trends, predict asset performance, and even automate trading strategies. Machine learning algorithms can process information far beyond human capacity, providing advisors with deeper insights and clients with potentially more optimized portfolios. Blockchain technology, the backbone of cryptocurrencies, is also finding applications beyond digital currencies, such as in supply chain management, digital identity verification, and the aforementioned tokenization of real-world assets. This innovation opens up new possibilities for secure, transparent, and efficient transactions and record-keeping.
The integration of technology is also driving personalization in wealth management. Advanced platforms can now analyze individual client profiles, risk tolerances, financial goals, and even ethical preferences to construct highly customized investment portfolios. This level of personalization was previously only accessible to ultra-high-net-worth individuals, but technology is democratizing access to sophisticated wealth management solutions. Wealth managers are expected to provide this tailored approach, meeting client expectations for bespoke investment strategies that align with their unique circumstances and aspirations.
Furthermore, the focus on data analytics and proprietary insights is becoming a key differentiator for financial institutions. By harnessing the power of big data, companies can develop unique investment models, identify emerging opportunities, and provide more proactive and informed advice. The responsible and ethical application of these technologies is crucial for building trust and ensuring long-term client relationships. As technology continues to evolve at an unprecedented pace, staying informed and adaptable will be essential for both investors and wealth managers aiming to thrive in the 2025 financial landscape.
My opinion: Technology, particularly AI and blockchain, is not just an enabler but a fundamental driver of change in wealth management. Its ability to personalize services, enhance insights, and improve efficiency makes it indispensable for any investor or firm looking to remain competitive and relevant in the coming years.
Key Technologies Impacting Wealth Management
| Technology | Application in Wealth Management | Benefit |
|---|---|---|
| Artificial Intelligence (AI) | Data analysis, predictive modeling, personalized advice, automated trading. | Enhanced insights, improved efficiency, better client experiences. |
| Blockchain | Tokenization of assets, secure transactions, transparent record-keeping. | Increased liquidity, enhanced security, improved auditability. |
| Internet of Things (IoT) | Data collection for asset management (e.g., smart real estate), behavioral finance insights. | Real-time data for better decision-making, new investment opportunities. |
| Big Data Analytics | Identifying market trends, risk assessment, portfolio optimization. | Deeper market understanding, proactive strategy development. |
Crafting Your 2025 Wealth Strategy
Building a robust wealth strategy for 2025 requires a multi-faceted approach that prioritizes diversification, inflation protection, and the intelligent integration of technology. The "Core & Explore" methodology stands out as a practical framework, combining broad-market ETFs as the stable core of a portfolio with thematic or specialized investments for growth potential. This dual approach ensures a balance between consistent market exposure and targeted bets on innovation or specific sectors. The rise of actively managed ETFs further supports this by offering specialized strategies that can potentially enhance returns and navigate complex market conditions.
Recognizing the persistent inflationary environment, a strong allocation to real assets is prudent. This includes tangible assets like gold, silver, real estate (via REITs), and infrastructure (via MLPs), which have historically held their value or appreciated during periods of rising prices. These assets not only act as a hedge against inflation but can also provide stable income streams, contributing to overall portfolio resilience. The performance of gold in 2025 serves as a strong reminder of its role as a safe-haven asset and a hedge against currency debasement.
The evolving role of cryptocurrencies should not be overlooked. While volatility remains a factor, their increasing adoption as an inflation hedge, coupled with institutional backing through ETFs and the potential of tokenized real-world assets, makes them a strategic consideration. Investors are shifting towards more structured approaches in the crypto space, prioritizing security and compliance. Similarly, technological advancements, particularly in AI and data analytics, are transforming wealth management. These tools enable more personalized investment solutions, providing advisors with deeper insights and clients with portfolios tailored to their specific needs and preferences.
Ultimately, a successful 2025 wealth strategy is one that is adaptable, diversified, and forward-looking. It involves thoughtfully combining established financial instruments with newer asset classes and leveraging technology to enhance decision-making and personalize the investment journey. By understanding the interplay of these trends—from the growth of ETFs and the strategic use of crypto to the protective power of real assets and the efficiency of AI—investors can position themselves for sustained wealth creation in a dynamic global economy.
My opinion: The 2025 wealth strategy isn't about picking just one winning asset class; it's about building a resilient ecosystem of diverse assets that complement each other. Personalization driven by technology will be key to unlocking tailored strategies that meet individual goals and risk profiles.
Core Components of a 2025 Wealth Strategy
| Strategy Element | Description | Rationale |
|---|---|---|
| Diversification (Core & Explore) | Combine broad-based ETFs with specialized thematic investments. | Balanced growth and targeted opportunity capture, risk mitigation. |
| Inflation Protection | Allocate to real assets (gold, REITs, MLPs) and select commodities. | Preserve purchasing power and capital against rising prices. |
| Strategic Crypto Integration | Consider for inflation hedging, digital gold narrative, and RWA tokenization. | Potential for diversification and uncorrelated returns, institutional adoption. |
| Technology Leverage | Utilize AI and data analytics for personalized advice and insights. | Improved decision-making, tailored solutions, enhanced efficiency. |
Frequently Asked Questions (FAQ)
Q1. How has the global wealth landscape changed for 2025?
A1. Global private wealth has grown significantly, with the Asia-Pacific region showing faster growth. The strategy is now more focused on personalization, technology integration, and inflation protection due to megatrends like AI and sustainability.
Q2. Why are ETFs so important in the 2025 wealth strategy?
A2. ETFs offer record growth, diversification, and accessibility to various asset classes and themes. The rise of actively managed ETFs provides specialized strategies, making them a cornerstone for building resilient portfolios.
Q3. Can cryptocurrencies truly act as an inflation hedge in 2025?
A3. Increasingly, yes. Cryptocurrencies, particularly Bitcoin, are viewed as "digital gold" and a store of value against currency debasement. Institutional adoption via ETFs and growing user bases support this narrative.
Q4. What role do real assets play in an inflation-proof portfolio?
A4. Real assets like gold, silver, real estate (REITs), and infrastructure (MLPs) are tangible stores of value. Their prices and income streams often rise with inflation, making them crucial for preserving purchasing power.
Q5. How is technology, like AI, impacting wealth management?
A5. Technology, especially AI and data analytics, enables more personalized investment advice, deeper market insights, and operational efficiencies. It's crucial for tailoring strategies to individual client needs.
Q6. What is the "Core & Explore" investment method?
A6. It's a strategy that combines broad-based ETFs for a stable core portfolio with more targeted or thematic investments for exploring specific growth opportunities.
Q7. How is investor behavior changing in 2025?
A7. Investors are prioritizing security, privacy, sustainability, and personalization. There's a shift from speculative trading to more structured and informed investment strategies, especially in crypto.
Q8. What are some examples of thematic ETFs gaining traction?
A8. ETFs focusing on areas like cybersecurity, clean energy, and innovative technology sectors are growing in popularity as investors seek exposure to future growth trends.
Q9. Is Bitcoin still considered a primary inflation hedge?
A9. Yes, Bitcoin's narrative as "digital gold" and its performance during inflationary periods in 2025 have strengthened its position as a potential inflation hedge for many investors.
Q10. How does tokenization of real-world assets (RWAs) impact investing?
A10. RWA tokenization bridges traditional assets with blockchain, increasing liquidity and accessibility for assets like real estate, art, or commodities, projected to exceed $50 billion in value by 2025.
Q11. What is the outlook for the European ETF market?
A11. The European ETF market is expected to grow by at least 25%, surpassing $2.8 trillion in assets, indicating strong investor confidence and expanding product offerings.
Q12. How are actively managed ETFs performing?
A12. Actively managed ETFs are experiencing significant growth, particularly in the US, Europe, and Canada, as investors seek specialized strategies and alpha generation.
Q13. What are the key regulatory developments for cryptocurrencies in 2025?
A13. Key markets like the US and EU are expected to finalize comprehensive crypto regulations, such as the EU's MiCA, aiming for uniform legal standards and greater investor protection.
Q14. How do MLPs offer inflation protection?
A14. Master Limited Partnerships (MLPs) in infrastructure often have contracts with revenue streams that are adjusted for inflation, providing an inflation-linked income.
Q15. What is the significance of gold's performance in 2025?
A15. Gold's surge of over 55% in 2025 highlights its strong performance as a major asset and its role as a premier inflation hedge and safe-haven during economic uncertainty.
Q16. How are megatrends influencing wealth management?
A16. Megatrends like AI, blockchain, climate change, and societal shifts are driving personalization, transparency, and the demand for sustainable and technologically advanced investment solutions.
Q17. What is the projected growth of the cryptocurrency market?
A17. The market is expected to continue expanding, with potential for new coins, multi-coin crypto ETFs, and increased institutional investment through regulated products.
Q18. Are there ETFs for specific technology sectors?
A18. Yes, thematic ETFs like the Global Cybersecurity ETF (HACK) and the Global X Clean Energy ETF (ICLN) provide targeted exposure to growth-oriented tech sectors.
Q19. What does "debasement concerns" mean for investors?
A19. It refers to the erosion of a currency's purchasing power due to inflation or excessive money printing. Assets like Bitcoin, real estate, and gold are sought after as hedges against debasement.
Q20. How can investors access real estate through ETFs?
A20. REIT ETFs offer diversified exposure to portfolios of income-producing real estate, providing liquidity and potential inflation hedging benefits.
Q21. What is the role of transparency and ethics in AI for wealth management?
A21. It's crucial for building trust. Investors need assurance that AI is used responsibly, ethically, and transparently to support, rather than manipulate, their financial strategies.
Q22. How does the Asia-Pacific region's wealth growth compare to others?
A22. The Asia-Pacific region shows a significantly higher wealth growth rate compared to Europe and the United States, indicating a shift in global economic influence.
Q23. Are cryptocurrencies solely for speculative trading anymore?
A23. No, there's a notable shift towards structured crypto strategies, with many viewing them as strategic inflation hedges and components of diversified portfolios.
Q24. What is the projected size of the tokenized real-world assets market?
A24. Tokenization of real-world assets is projected to exceed $50 billion in value by 2025, bridging traditional finance and blockchain technology.
Q25. What makes gold a strong performer in 2025?
A25. Gold's 55%+ surge in 2025 is attributed to its role as a safe-haven asset, an inflation hedge, and its historical ability to retain value during periods of economic uncertainty.
Q26. How is technology democratizing wealth management?
A26. Advanced platforms powered by AI and data analytics are making sophisticated, personalized investment solutions accessible to a broader range of clients, not just the ultra-wealthy.
Q27. What is the impact of the EU's MiCA regulation?
A27. The Markets in Crypto-Assets (MiCA) regulation aims to create uniform legal standards for crypto assets across the EU, fostering greater clarity and security.
Q28. Why are cybersecurity ETFs like HACK gaining attention?
A28. As digital transformation accelerates, the need for robust cybersecurity is paramount. ETFs like HACK provide exposure to companies at the forefront of this critical and growing sector.
Q29. How do RWA tokenization and crypto hedge funds interact?
A29. RWA tokenization can create new investment opportunities within the crypto ecosystem, attracting sophisticated capital managed by crypto hedge funds, bridging traditional and digital asset classes.
Q30. What is the overall sentiment for global wealth growth in the coming years?
A30. The outlook is positive, with global private wealth projected to grow significantly by 2030, driven by emerging markets and continuous innovation in investment strategies.
Disclaimer
This article is written for general informational purposes only and does not constitute financial advice. Investing involves risks, and past performance is not indicative of future results. Consult with a qualified financial professional before making any investment decisions.
Summary
The 2025 global wealth strategy is characterized by diversification through ETFs, the strategic integration of cryptocurrencies as inflation hedges, a strong focus on real assets for stability, and the transformative influence of technology like AI. Investors are prioritizing personalized, transparent, and resilient portfolios to navigate inflationary pressures and capitalize on evolving market dynamics, with a notable shift towards structured investing approaches.
Official Resources
For further insights and official information, explore these valuable resources:
U.S. Securities and Exchange Commission (SEC)
π Editorial & Verification Information
Author: Smart Insight Research Team
Reviewer: Davit Cho
Editorial Supervisor: SmartFinanceProHub Editorial Board
Verification: Official documents & verified public web sources
Publication Date: Nov 18, 2025 | Last Updated: Nov 18, 2025
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