27/08/2026
Three buckets. That is most of financial planning.
SECURITY - money you may need in the next year or two. Its job is to be available, not impressive. Accessible and low volatility.
STABILITY - goals three to five years away. A car, a renovation, a course. Steadier instruments, less exposure to sharp swings.
GROWTH - money you genuinely will not touch for ten years or more. Retirement, a child's higher education. This is the only bucket that can afford to sit through volatility, because it has the time to.
The problem is rarely which product someone chose. It is that all three goals were funded from one undifferentiated pile - so a short-term need forced them to break a long-term plan.
Most people find one bucket is missing entirely. Usually Security.
Save this. Comment PLAN if you would like help mapping yours.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.
