⬅ # 134 Renata Kellnerova|# 136 Peter Woo

# 135 Charlene de Carvalho-Heineken 


Real Time Net Worth
as of 4/23/2024
$25.9M (0.18%)

# 135 Charlene de Carvalho-Heineken 


Real Time Net Worth
as of 4/23/2024
$25.9M (0.18%)
OccupationOwner, Heineken
Source of WealthHeineken
ResidenceLondon, United Kingdom
Marital StatusMarried
EducationBS, Rijnlands Lyceum Wassenaar; JD, University of Leiden
Age-Adjusted Net Worth$8.02B
Charlene de Carvalho-Heineken
Charlene de Carvalho-Heineken
Net worth: $14.8B

Self-Made Score 

Wealth History

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Early Life

Charlene de Carvalho-Heineken was born on 30 June 1954, the daughter of Dutch industrialist Freddy Heineken and American Lucille Cummins from a Kentucky family of bourbon whiskey distillers.
She received her education at Rijnlands Lyceum Wassenaar and later earned a law degree from Leiden University.

Inheritance and Wealth

In 2002, upon the death of her father Freddy Heineken, Charlene inherited a 23% stake in Heineken, making her the wealthiest person with Dutch citizenship at that time.

Career and Accomplishments

Charlene owns a 25% controlling stake in Heineken and serves as an executive director of the company.
The biannual Heineken Prize for cognitive science is named in her honor.

Personal Life

Charlene is married to Michel de Carvalho, a financier and director of Citigroup, whom she met on a ski holiday in St. Moritz, Switzerland.
Michel is also a member of the supervisory board of Heineken NV.
The couple resides in London with their five children.
Her mother, Martha Lucille Heineken-Cummins, passed away on Christmas Eve of 2020.

Family Involvement in Heineken

Charlene, her husband Michel de Carvalho, sons Charles and Alexander de Carvalho, and daughter Louisa Brassey all hold positions on various Heineken boards.

How long would it take you to become as rich as Charlene de Carvalho-Heineken?

If you started with $10,000 and invested an additional $500 each month at a 43.95% CAGR, it would take you 5 years to reach Charlene de Carvalho-Heineken's net worth of $14.8B.

Is this realistic? It depends how closely the VIX-TA-Macro Advanced model performs to its history in the future. Since Grizzly Bulls launched on January 1, 2022, it's returned 34.07% compared to 5.08% for the S&P 500 benchmark.

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Charlene de Carvalho-Heineken is very wealthy, but what's stopping you from reaching that same level of success? As summarized in our five fundamental rules to wealth building, becoming wealthy in a modern capitalist economy is not complicated. There's actually only three variables:

  1. Your starting capital
  2. Your earnings after expenses
  3. The compound annual growth rate (CAGR) of your savings

Most people start with zero or very little, so if you weren't born into wealth, don't fret! The majority of the fortunate folks listed in our Grizzly Bulls’ Billionaires Index came from middle class or lower backgrounds. The most distinguishing characteristic of the group is their ability to consistently earn a high CAGR on their savings.

Every billionaire has a unique strategy to achieve high CAGR. For Charlene de Carvalho-Heineken, Heineken is the primary source. Whether you choose to invest your savings in your own businesses or the businesses of others is not as important. The salient piece of the puzzle is ensuring that your hard-earned savings are generating sufficient CAGR to reach your long term goals.

Most people simply invest their money in index funds and call it a day. There's nothing wrong with this approach, but it guarantees relative mediocrity. To achieve greatness, you need to invest your money to earn higher than average returns. In the long run, better investors will always finish ahead of better earners.

Source: Grizzly Bulls reporting

Methodology: Grizzly Bulls' Billionaires Index is a daily ranking of the world's billionaires and richest people. Grizzly Bulls strives to provide the most accurate net worth calculations available. We pull data from public equity markets, SEC filings, public real estate records, and other reputable sources.

The index is dynamic and updates daily at the close of U.S. stock market trading based on changes in the markets, economy, and updates to Grizzly Bulls' proprietary algorithm of personal wealth calculation. Stakes in public companies are tracked daily based on the relevant closing prices of the underlying securities. Additionally, stakes in private companies, cash, real estate, and other less easily valued assets are updated periodically through careful analysis of insider transactions, comparable public company sales / EBITDA multiples, etc.

Edited by: Lee Bailey