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你的应急基金:多少才够?

你有过这样的经历吗? 热水器停止加热, 洗碗机停止清洗, and your family ends up on a first-name basis with the nurse at urgent care. Then, as you’re driving to work, you see smoke coming from under your hood.

Bad things happen to the best of us, and sometimes it seems like they come in waves. That’s when an emergency cash fund can come in handy.

A 2019 Bankrate survey found that 28% of Americans had no emergency savings. Another 25% of respondents said that the cash they had on hand would last less than three months in a financial crisis.1

多少钱?

应急基金应该有多大? 没有“放之四海而皆准”的答案. The ideal amount may depend on your financial situation and lifestyle. 例如, 如果你有房子或有家属, you may be more likely to face financial emergencies. And if a job loss affects your income, you may need emergency funds for months.

拿出现金

If saving several months of income seems unreasonable, don’t despair. Start with a more-modest goal, such as saving $1,000, and build your savings a bit at a time. Consider setting up automatic monthly transfers into the fund.

一旦你的储蓄开始增加, you may be tempted to use the money in the account for something other than an emergency. 尽量避免这种情况. Instead, budget and prepare separately for bigger expenses you know are coming.

我该把它放在哪里?

Many people open traditional savings accounts to hold emergency funds. 它们通常提供适度的回报率. A certificate of deposit (CD) may provide slightly higher returns, but your money will be locked away until the CD matures, and that could take several months to several years.

The Federal Deposit 推荐一个正规滚球网站 Corporation (FDIC) insures bank accounts and certificates of deposit up to $250,000储户, 每一个机构, 本金和利息. CDs are time deposits offered by banks, thrift institutions, and credit unions. While CDs offer a slightly higher return than a traditional bank savings account, 他们也可能要求更高的存款金额. If you sell before the CD reaches maturity, you may be subject to penalties.

Others turn to money market accounts or money market funds in emergencies. While money market accounts are savings accounts, money market funds are considered low-risk securities. 钱 market funds are not backed by any government institution, which means they can lose money. Depending on your particular goals and the amount you have saved, some combination of lower-risk investments may be your best choice.

钱 held in money market funds is not insured or guaranteed by the FDIC or any other government agency. 钱 market funds seek to preserve the value of your investment at $1.00每股. However, it is possible to lose money by investing in a money market fund. 

钱 market mutual funds are sold by prospectus. Please consider the charges, risks, expenses, and investment objectives carefully before investing. A prospectus containing this and other information about the investment company can be obtained from your financial professional. Read it carefully before you invest or send money.

The only thing you can know about unexpected expenses is that they’re coming. Having an emergency fund may help to alleviate stress and worry that can come with them. If you lack emergency savings now, consider taking steps to create a cushion for the future.

1. Bankrate.2019年7月1日

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见及 所提供的资料仅供参考, and should not be considered a solicitation for the purchase or 出售任何证券. 版权所有2021 FMG套件.

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