The Financial Pyramid helps us understand the steps to reaching financial freedom.

1. Financial Pyramid:
Which level are you in today?
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2. FINANCIAL PYRAMID
A strategic approach in managing
investment portfolio
• The base of the pyramid is made up
of low-risk investments
• The mid-portion is composed of
growth investments
• The top is all about speculative
investments.
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3. FINANCIAL PYRAMID LEVELS
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4. PROTECTION
A cushion in case of
unexpected events,
such as job loss or
health issues
– Debt reduction
– Regular savings
– Emergency Fund
– Insurance (Health, Life, Critical Illness,
Disability)
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5. SAVINGS
Baby steps in creating
your passive income
sources.
– Time Deposits
– Mutual Funds
– Bonds
– Home Ownership
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6. WEALTH BUILDING
Achieve maximum
growth and income
for your wealth and
investments.
– Equity
– Stocks
– Business
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7. SPECULATION
• Higher risk portfolio.
– Gold
– Art
– Real Estate
• At this stage, you
should be financially
well:
– Have excess funds
– zero or low debt
– enough retirement and investment fund
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8. SUMMARY
FINANCIAL PYRAMID helps in
solid financial planning
Process
• Set short and long term goals
• Visualize
• Climb in order and one level at
a time
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10. Have questions on finance?
Financial Planning Nuggets
A blog site on Life Insurance, Health Insurance, Investments,
Mutual Funds, Educational Plan, Savings and Financial
Planning Tips in the Philippines
Email: FinancialPlanningNuggets@gmail.com
Twitter: @FinanceNuggets
Website: www.FinancialPlanningNuggets.blogspot.com