Managing your finances has never been more complicated. Today’s world is full of financial options, and every sales agent will claim that you need all of them. The truth is, of course, you don’t need all of them, but you definitely need at least some of them. But what financial products do you actually need?

To help you decide what you need, you should first categorise those needs. There are three main categories, and thus pillars, in finance management that a person will definitely need. These are Protection, Growth and Safety. Each of the pillars can be further divided into subgroups, but at the very least, you should be covered by a product or plan in each main category.