Generally speaking, it's enough to keep a 4,-5, emergency reserve fund at home. Now, as long as there is medical insurance, as long as you keep exercising, under normal circumstances, an emergency reserve of 4, to 5, yuan is basically enough.

now, according to the deposit data in 218, the national deposit balance in 218 is 72.44 trillion yuan, and the national average deposit balance is 51,7 yuan, which means that the national per capita deposit is 51,7 yuan. There are 43 million households in China, and the average deposit of each household is 168,5 yuan.

In this way, if the emergency reserve fund of 4, to 5, yuan is reserved, it will be equivalent to about one-third of the household deposit balance, which is not small for a family. Moreover, the reserve fund of 4, to 5, yuan can be taken out by most families in the country.

moreover, 4, to 5, yuan is more suitable as a reserve fund. If you save a little, you can also make a family live for a year. It can be said that it is basically enough for such a family to leave 4, to 5, reserve funds.

if the reserve fund of 4, to 5, yuan is in cash, it will be a bit of a loss. The reserve fund can be deposited in current wealth management products such as Yu 'ebao, or in current deposits of private banks, and can be withdrawn at any time if used. If you don't take it, you can also get some benefits, which can be said to be more appropriate.

At present, the annual interest rate of Yu 'ebao is about 2.46%, the annual interest rate of WeChat change pass is about 2.6%, and the private bank deposit interest rate is higher, reaching 3.8%.

To sum up, it is basically enough for a family to have about 4, to 5, reserve funds. Most families can take out so many reserve funds. The reserve funds can be deposited in Yu 'ebao or private bank demand deposits, so that they can be withdrawn at any time when they are used, and they can generate certain interest when they are not used, which is quite appropriate.

the amount of emergency reserve fund mainly considers the daily expenses of families, and it is generally appropriate to leave 3-6 household expenses.

The daily living expenses for 3-6 months are suggested because in case the family's financial resources are interrupted, this reserve fund can maintain the living expenses for the next few months, and this time is almost enough to find a new job or income source.

If the family breadwinner has a stable job and a reliable source of income, the emergency reserve fund can be reduced appropriately, but it is recommended to keep the daily living expenses for at least 3 months.

If the income of the family breadwinner is unstable, you can appropriately increase the reserve fund for a rainy day.

It is recommended to deposit some flexible and low-risk wealth management products, such as demand savings and money funds, but not as time deposits or time wealth management products, because the interest of time deposits can only be settled at the current interest rate in advance, and most time wealth management products do not support early termination, which may lead to the loss of the meaning of the reserve fund when you really need money.

but it is precisely because of the flexibility of funds that the rate of return of this fund is not high. Therefore, the more the reserve fund, the better. Too much will cause a lot of funds to fail to obtain the due financial benefits, and eventually gradually depreciate, resulting in asset losses. And if it is too little, when the reserve fund is really needed, it is not enough to spend, and it still cannot achieve the expected purpose.

Therefore, 3-6 months' daily living expenses are relatively appropriate.

In addition, sometimes the petty cash doesn't need our own funds. Rational use of credit cards can also help us prepare petty cash. Moreover, there are many credit card points and consumption discounts now, which can also save us a lot of money. With a credit card, you can further reduce the reserve fund, let more money for long-term financial management, and get higher returns.

The main function of emergency reserve fund is to deal with special circumstances, including unemployment, sudden medical care and other unexpected expenses. Under normal circumstances, it is enough to prepare emergency reserve fund with the amount of 6 times the normal amount of monthly expenditure.

The preparation of emergency reserve fund should be divided into three parts to meet different daily needs.

Different families have different living standards and different hard expenditure requirements, so it is difficult to have a definite figure, such as 5, or 1,, for reference. However, according to your own situation, you can prepare according to the above three needs.

The family emergency reserve fund doesn't have to be prepared with "real money and silver", but it can be reserved in other ways and channels to maximize the efficiency of fund use. You can also do this:

According to the actual situation of your family,

What is the safest way for a family to keep tens of thousands of funds as emergency reserve fund? What do you think? I think it can be decided according to the actual situation of my family.

Limited conditions

In view of the limited family conditions, I think it is possible to make an emergency reserve of at least 5, yuan in 1 yuan. It depends on the average age of the family members. If there are elderly people over 5 -6 years old, it is best for you to need 2,-5, yuan for your family emergency reserve, because in many cases, money is in a hurry, and you may not be able to take it out on a regular basis. Therefore, I suggest that you manage your money regularly for no more than 3 days. If there is any emergency, you can take it out at maturity. And if conditions permit, and you can control yourself and not spend money indiscriminately, you can mix a letter of credit, and you should do the kind of annual fee-free one with a quota of about 5 thousand. This way, even if you can't get it out regularly, you can also use your credit card for emergency use.

Well-off families

I think people with millions of family assets can choose to leave 1,-5, emergency reserve funds, which will give you more funds to deal with various crises, whether it is medical or business crisis, and you can get timely replenishment of funds. On the premise that your money must be kept in short-term financial management business, it can't exceed 3 days at most, otherwise you can't count on it at all. Credit cards can also meet urgent needs, but you have to do what you can, because you have to consider whether credit card spending can plug this hole after your term expires.

Final conclusion:

The reserve fund should be prepared, and the earlier you save, the earlier you prepare, so you will be prepared. It is much better than not being able to borrow money when needed, and it is a forward-looking move.

In fact, there is no standard answer to this question. Every family has different circumstances and may have different considerations. Others can only provide some popular and universally applicable suggestions for reference.

generally speaking, at least 6 months' daily expenses will be used as the basis to prepare the family reserve fund. For example, if the fixed monthly expenditure is about 5, yuan, at least 3, yuan should be prepared as a reserve fund. Another way is to prepare the reserve fund as a percentage of the total assets, generally according to the ratio of about 1%. For example, if you have 1, assets at home, prepare a reserve fund of 2, as a guarantee for your daily living expenses. According to the percentage allocation, it is not exactly the concept of reserve fund, but the proportion of low-risk assets in household assets, which is the concept of asset allocation. It is necessary to ensure that the funds used for investment are not all assets.

Generally speaking, the purpose of preparing reserve fund is to meet unexpected needs, for example, if you temporarily lose your job, or suddenly lose your income source, you need a sum of money in case of emergency. And so on and so forth. Then if there are many such emergencies in the past experience, you should be more cautious when preparing the reserve fund. A better understanding of your past consumption habits is also a prerequisite for preparing a suitable reserve fund.

the core requirement of the reserve fund is flexibility, and the choice can be taken out quickly. Whether choosing a money fund, a wealth management product or a deposit, the first consideration is when the money can be taken out, and then the rate of return. A few years ago, the yield of various baby products such as Yu 'ebao was still relatively high, so it is most convenient to put the reserve fund in baby products. But now the yield of Yu 'ebao has dropped significantly, and we need to find some new ways to manage the reserve fund.

in addition, if the total amount of the reserve fund is relatively large, we can also consider dividing the reserve fund into several parts to manage it. For example, a * * * has prepared a reserve fund of 1, yuan, of which 5, yuan may be placed in the varieties that can be received by T+, and the other 5, yuan may be placed in the fixed-term varieties of one month or three months, so that the utilization efficiency of the reserve fund will be higher and the liquidity will not be greatly affected.

furthermore, the consumer loan services provided by various financial platforms and banks are also very convenient. In a particularly urgent time, if you borrow money through these platforms first, the interest you need to pay in the short term will not be particularly high, as long as you can transfer the money from other products in time. Knowing a friend, he just put all the petty cash in the securities account for financial management. As long as it is not a long vacation, the delay in taking it out is very short, and it can basically meet the needs.

another problem that needs to be paid attention to about the reserve fund is to treat the expenses that should have been planned as the reserve fund. For example, a sudden decision to spend 3, to 5, yuan on a coat and a temporary decision to travel abroad will cost tens of thousands. This kind of large expenditure seems to be a temporary idea, but it should actually be taken into account when planning every year, and the funds should be arranged in advance. Then, if this extra expenditure can be managed separately and in a planned way, according to this kind of capital demand, you can also choose the investment place separately, as long as the time of withdrawal is consistent with the plan. The advantage of this is that these expenses will not affect the planning and management of the reserve fund, which will make the funds more efficient and the consumption planning more clear.

Generally speaking, financial management is actually a big topic. Living habits, consumption habits and a way of thinking are behind financial management. The management of reserve fund is a small but important part of financial management. To manage it well, it also needs to be groped and improved improperly.

There is no definitive answer to this question, because every family is different, such as how many members are there in a family? How old are they? How is your health? How the family's economic strength is, and so on, these situations are very different, each family is different, and there is no comparability about how much reserve fund should be left. It is unrealistic to say the number in general.

generally speaking, it is appropriate for a family to keep a reserve fund of one-fifth to one-quarter of the family's annual income. For example, if a family has two employees and the couple's annual income totals 15,, then the annual reserve fund can be around 3,-4,.

The reason for this arrangement is that household consumption expenditure and household income are generally in direct proportion. Similarly, emergency reserve funds are in direct proportion to household consumption expenditure, that is, the higher household income, the more emergency reserve funds should be reserved. For example, if the family income is high, the education of their children is relatively good, such as attending private schools. In this case, the education reserve fund left is obviously higher than that of ordinary families.

However, the amount of the reserve fund is not only related to the income level, but also related to the composition of family members. If there are school-going children or elderly people at home, the probability of accidental use of money is higher, so the reserve fund is relatively higher to prevent the emergency use of money.

However, from the perspective of financial management, it is not appropriate to leave too much reserve fund, because in order to ensure the liquidity of the reserve fund, generally the money can only be kept for a short period of time, or the interest rate of money funds, such as Yu 'ebao, is relatively low, so if the amount of money is too large, it will lose a lot of opportunity income.

It is worth mentioning that the online loan market is very mature now. Apart from credit cards, there are also Alipay's flower buds and JD.COM's white stripes, and there are many channels for borrowing money. If you need money badly, you can use it for emergencies, so you don't have to risk being rejected to borrow money from relatives and friends. In this case, you don't have to leave too much reserve money, and it's better to be radical.

To sum up, how much reserve money a family keeps depends mainly on the income level of the family and the membership structure, etc. Generally, it is appropriate to keep one-fifth to one-quarter of the family's annual income. However, the amount of the reserve fund should be moderate, and the more the better. It is recommended to make appropriate arrangements according to the specific situation of your family.

in my opinion, a family reserve fund should have at least about 2, yuan in cash and about 2, yuan in available funds.

As the saying goes, "Money in your pocket makes you uneasy." Emergency reserve fund is a flexible fund reserved to deal with family emergencies.

If the emergency reserve fund is set aside too little, it will affect the response to emergencies; if it is set aside too much, it will waste funds and affect the wealth management income.

how much reserve fund should a family normally reserve? How to manage these reserve funds scientifically? Today, the mutual gold through train will talk to you about this topic.

Although different families may have different requirements, I think that a family should have at least about 2, yuan in cash, and another 2, yuan in available funds as a backup guarantee.

Some people may think that this is a little too much, while others think it is a little too little. From my actual experience, these can really play an emergency role.

once a child called in the middle of the night and said that it would cost more than 1, yuan to book a plane ticket with a friend. My bank card had no money at ordinary times, and there was only more than 6, yuan left in the balance treasure. Finally, even WeChat * * * made up more than 1, yuan. At that time, I was a little anxious to raise money, but I ignored the problem that the reserve fund could be withdrawn at any time.

another time, someone in my family was hospitalized for surgery, and I had to pay 5, yuan at a time, and then I recharged more than 1, yuan intermittently, mainly by using a credit card. Therefore, a large emergency reserve fund only needs to have the payment function.

It can be seen that if idle funds are not considered, the more emergency reserves, the better. However, emergency funds are useless at ordinary times, and it is a waste to reserve too much.

I think the best way is as follows:

First, prepare about 2, yuan in cash, and put it in innovative bank deposits that can be taken at any time, or put it in a money fund that can withdraw cash quickly at T+, which can not only ensure emergency, but also obtain certain income.

second, apply for some credit payment lines, such as credit cards, flowers, IOUs, etc., which is much more cost-effective than reserving cash. These lines are authorized according to your personal credit, which can be used in case of emergency and is very easy to use, so personal credit is also an emergency fund, so you should cherish it.

that's my opinion. I hope it will help you. Welcome to pay attention to the mutual gold through train.

if you put all your family assets,