3
成日聽人講要儲應急錢，究竟應該儲夠幾多個月開支先夠安全？
啱啱開始學理財,見到好多人話要儲emergency fund。但我唔知幾多先算夠,又應該擺喺邊?全部擺定期定係活期?有無人分享下自己點分配應急錢？
Anonymous asker ·Asked on 2 days ago ·543 views ·4 answers
This page contains personal experience shared by users about Finance, not professional advice. For important decisions, please consult a qualified professional or official channel.
Best Answer
心理輔導阿Ada Beginner First-hand experience 註冊輔導員，情緒壓力唔開心，搵我傾兩句唔收你錢。
一般建議係3至6個月嘅必要開支,但香港我覺得應該儲6至12個月,因為搵工可以搵好耐。呢筆錢嘅重點係「攞得快」同「唔會蝕本」,唔係追回報,所以千祈唔好擺股票基金。我自己分兩份:三個月開支放活期或者高息儲蓄戶口隨時攞到,其餘放可以隨時break嘅短期定期或者貨幣基金,賺少少息之餘又保持流動性。應急錢嘅意義係俾你有底氣,唔使因為突然冇工就要賤賣資產。
Anonymous contributor Beginner First-hand experience
緊記應急錢要同你嘅投資戶口分開擺,最好開多個銀行戶口專門放,眼不見為淨。我以前擺埋一齊,見到個數字大就手痕攞去買嘢,結果真係有事嗰陣唔夠。分開放先真係守得住。
Anonymous contributor Beginner First-hand experience
我親身經歷:三年前突然被裁,好彩有半年應急錢,先可以慢慢揀返份啱嘅工而唔使hunger到亂咁接。冇呢筆錢嘅話,我一定會急住接返份差過原本嘅工。應急錢買嘅唔係利息,係你人生嘅選擇權同安全感,呢個好難用回報衡量。
健身教練阿Sean Beginner First-hand experience 私人健身教練，減脂增肌飲食餐單問我唔使問大隻佬。
幾多先夠要睇你自己情況。如果你係自由業、收入唔穩定、或者係家庭經濟支柱,就要儲多啲,一年都唔為過。相反如果你單身、開支低、又易搵工,三四個月可能夠。唔好照抄人哋個數,自己計返實際每月非死不可嘅開支先。
Answer this
Related questions
1
11
3
5
5