My 3-Pillar Financial Management Strategy
A strategic approach to wealth creation, inspired by ancient wisdom and tailored for modern markets.
The core principle suggests dividing earned wealth (income) into four parts: **Two parts (50%)** for investing to expand income streams, **One part (25%)** for savings as an emergency fund, and **One part (25%)** for daily consumption. My personal financial plan is built upon this sustainable and protective model.
Pillar 01: Investment Account
Allocation: 50% of IncomeTargeting **Long-Term Wealth Growth** through diversified assets that offer high returns, while accepting moderate to high market risk.
Key Channels:
- a) Stock Market (CSE) - Focused on long-term capital appreciation.
- b) Land & Property - Tangible asset growth and security.
- c) Cryptocurrency Investment - Strategic exposure to high-growth digital assets.
Pillar 02: Safety & Savings Account
Allocation: 25% of IncomeDedicated to an **Emergency Fund** (ආපධාවකදී භාවිතයට) and prioritizing extremely **low-risk** investments that can be quickly liquidated without loss.
Key Channels:
- a) Money Market Funds - High liquidity and minimal risk.
- b) Insurance Policy Investment - Financial security against unforeseen events.
- c) Liquid Crypto (Small Portion) - Quick access to funds via stable, liquid digital assets.
Pillar 03: Productive Consumption
Allocation: 25% of IncomeStrategic expenditure focused on **improving quality of life and future earning potential**, covering health, development, and essential needs.
Key Areas:
- a) Health - Investing in wellness and long-term vitality.
- b) Security & Development - Tools, education, and security systems.
- c) Daily Necessities & Other Needs - Food, essential living expenses, and controlled recreation.