It's no surprise that millennials are taking to financial apps more than any other group of high-net-worth investors. 

But when it comes to wealth management, personal finance or even spending tracking -- Gen Xers and boomers are more actively engaged. 

"As instant access to information and the firms they deal with is a key driving force for most millennials, our data clearly shows that these young investors want the ability to connect with their banking or investing accounts from anywhere at any time," says David M. Thompson, managing director, Phoenix's Affluent Practice. 

"Some boomers are downloading personal finance apps, I'm guessing retirement-related. [And] some GenX, who have been investing for a longer time-frame than millennials, are gravitating towards digital wallet and personal spending tracking apps."

Phoenix Marketing examined the download patterns of HNW investors in its recent study of mobile financial app use among households with $100,000 or more in investible assets. Here's a closer look at the data.

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The overall rate among all HNW investors for downloading any financial app was 18%, the Rhinebeck, N.Y., research firm reports.

Just over a quarter of millennial investors (26%) answered that they had downloaded apps to manage finances or investments. Among boomers, the figure was just 6%. 

Wealthy millennials were most apt to download banking and investing apps, with 63% reporting downloading banking apps and half saying they installed investing apps on their smartphones.

Yet among boomers and Gen X investors, the mix of financial apps was more varied.
Gen X investors actually led all age groups in downloading investing apps (55%), personal spending trackers (25%), and digital wallet and asset management (32%).

Boomers had the highest interest in downloaded banking apps (67%) and were ranked first among the age groups in downloading personal finance apps (40%).

HNW millennials have nearly double the finance apps on their mobile devices than any other age group.