Bro the sad fact is considering today's inflation rate, your 8.6 mil's worth is going down by 6%, so the question is whether you want to keep its value maintained or grow it. Grow by investing in lands, that's the only safe option in LK in my opinion, just need to do your research or look for the safest way to get interested to match inflation, that way you are not losing the value of money. No smart man collect 8.6 million and keep, you only need 6 months x your salary, the rest should be immediately invested. Good luck.