The 3 building blocks of wealth
AssetsFireLotse divides your wealth into three building blocks – deliberately simplified so it stays cognitively manageable:
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Safety 0–2.5% p.a.
Emergency fund, instant-access savings, capital preservation. No crash risk – but little growth.
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Return 4–7% p.a.
Long-term wealth building. ETFs, bonds, real assets. Fluctuations are part of it.
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High-risk 8–15% p.a.
Speculation with a chance of high returns. Total loss possible – only with a buffer in place.
Philosophy:This structure complements Portfolio Performance or Parqet. FireLotse looks at the strategic level, not at individual positions.