Knowledge Centre
Your Financial Baseline
Know where you stand before deciding what to do next.
Most financial decisions arrive wearing a solution: invest more, pay down the mortgage, put money into Pillar 3a, buy a home, keep more cash. The awkward question comes first: what problem are you actually solving?
A financial baseline is the answer sheet before the optimisation starts. It shows what the household earns, what it keeps, what is genuinely available, what is already being built for later, what a major goal could consume — and how reliable the numbers are.
One impressive number will not do the job. A high salary can coexist with weak cashflow. A high net worth can coexist with very little accessible cash. The point is not to collect more numbers. It is to stop asking one number to answer a question it was never designed to answer.
Start with the 5 questions ↓Start with the 5 questions
If you can answer these five questions, you have the core of a useful financial baseline. If you cannot, you have found the place to start.
01 · Cashflow
A good income is not the same as healthy cashflow
Does the household consistently create room after normal spending and tax? Income creates capacity. Surplus shows whether the system keeps creating it.
Understand your cashflow →
02 · Liquidity
How much of your money is actually available?
Cash, investments, pensions and property may all be wealth. They are not equally accessible when something changes.
Check your liquidity →
03 · Pensions
What long-term wealth are you already building?
Pillar 2, Pillar 3a and other pension rights belong in today's financial picture — even though their purpose is later.
Map your pension baseline →
04 · Investment readiness
Are you actually ready to invest?
The first investment question is not “Which fund?” It is whether the money has enough time, enough buffer behind it and no more urgent job.
Assess investment readiness →
05 · Property readiness
What would buying a home consume?
Mortgage approval answers one question. A financial baseline asks what the purchase would absorb in cash, pensions and future flexibility. If property is not a goal, this question can stay out of the way.
Assess property readiness →
Prefer to do this practically?
Build Your Financial Baseline
Use the guide to bring cashflow, liquidity, pensions, investment readiness and property (if relevant) into a one-page answer. Give every key figure a confidence label and every unknown a next action. No score. No provider recommendation. Just a clearer starting point.
Build the one-page baseline →Want the picture applied to your own finances?
If you would rather not assemble the picture manually, the Wealth Check applies the same baseline logic to the information you provide. It gives you an initial view across cashflow, emergency buffer, pensions, investment readiness and property where relevant, makes uncertainty visible and points to the area that may deserve attention next.
Take the Navinua Wealth Check →Navinua explains the system, the trade-offs and the questions worth asking. We do not rank providers or turn a general framework into a personal product recommendation. Educational content, not regulated financial advice under FinSA/FIDLEG.