A Practical Framework for Family Wealth

The Five Pillars of Family Asset Allocation

Create a sense of security first, then invest for growth

Allocation Framework

Build the Foundation Before Reaching for Growth

A clear allocation framework helps families balance protection, liquidity, dependable income, and long-term growth. In practice, household assets often fall into five areas: real estate, insurance protection, bank savings, safe investments, and risky investments.

Risky Investments (Growth Potential)
Real Estate + Safe Investments (Stability and Long-Term Planning)
Insurance Protection + Bank Savings (Protection and Liquidity)

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Real Estate

    Interactive Calculator

    Suggested Safe Investment Allocation

    Enter an age and real estate percentage to estimate how much of total family assets may be allocated to safe investments and risky investments.

    Real Estate50%
    Safe Investments15%
    Risky Investments35%

    Allocation Example

    Sample Family Asset Mix

    • Real Estate50%Approx. 1,000,000
    • Safe Investments15%Approx. 300,000
    • Risky Investments35%Approx. 700,000

    This example is not meant to be a fixed prescription. The goal is to make sure the family has a solid safety foundation before relying on growth assets to do their long-term work.