Hard work, smart risk taking and God were credited as mainsprings in wealth accumulation in a survey of individuals with at least $25 million in investable assets. The research was sponsored by Wachovia’s Calibre multifamily office and conducted online by HNW, a New York marketing firm that targets the affluent.

The survey, conducted in March and April, included 134 respondents: 48 percent were women, and 85 percent have had their wealth for 10 years or less.

In a multianswer question, 78 percent attributed their wealth to hard work. Forty-eight percent also credited smart risk taking, and just behind, at 47 percent, were those who called their wealth “a blessing from God.” One-third credited “luck and good timing.” Women were more likely than men to name hard work as the basis for their wealth—85 and 71 percent, respectively.

Regarding politics, one-third of the respondents said they were neither Republican nor Democrat.

Calibre is the nation’s third-largest multifamily office.