First, it is mainly used for short-term consumption and reserved for unexpected expenses. Usually, the probability of major risks in families is relatively low, but there are still many daily minor illnesses. Therefore, it is still necessary to reserve a sum of money to deal with expenses other than daily expenses, such as human relations, family ailment prevention and so on. It is recommended to reserve about 3-6 months' expenses. In addition, in case of any special circumstances at home, the money can last for ten days. Many people in the market suggest that families reserve cash for at least half a year to prevent unemployment risks and define it as financial security. It is not recommended to reserve so much money. On the one hand, the opportunity cost of cash is too high, and the less you keep, the better. On the other hand, every family can turn pressure into motivation, conscientiously do their job and strive to improve themselves, which not only eliminates the risk of unemployment, but also realizes promotion, salary increase and income increase.

Second, so 3-6 months of funds will be enough. Because this part of financial management may be used at any time, it is enough to invest in money funds such as Yu' ebao and Licaitong. The income is not high, about 2%-3%, but it is safe and can be withdrawn at any time.

1. Fixed investment is the abbreviation of fixed-term investment fund, which refers to investing a fixed amount (such as 500 yuan) in a designated open-end fund at a fixed time (such as the 8th of each month), similar to the bank's zero deposit and withdrawal method. People usually refer to funds mainly as securities investment funds.

Second, the basic concepts

Automatic investment plan (AIP) is called lazy financial management, and its value stems from a saying circulating on Wall Street: "It is more difficult to step on the market accurately than to catch a flying knife in the air." If you adopt the method of buying in batches, you will overcome the defects of buying and selling at one time, balance the cost and make yourself invincible in investment, that is, the fixed investment method.

Generally speaking, there are two ways of fund investment, single investment and regular quota. Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"

"Compared with fixed investment, the one-time investment income may be high, but the risk is also great. Because it avoids the influence of investors' subjective judgment on the timing of entry, the risk of fixed investment is significantly lower than that of stock investment or single fund investment.