Have you ever encountered such a situation in your life: an emergency needs emergency funds and there is not enough liquidity available, which is embarrassing? At this time, we can see the importance of preparing emergency reserve funds.

The so-called emergency reserve fund is the money that you can use immediately when you have an accident, so how important is it? It can be said that the lack of it will become a stumbling block to your financial freedom, and the lack of it will make the wealth you have worked hard for many years go up in smoke, and it will go up in smoke in an instant.

So how much emergency fund should I prepare? When it is ready, where should it be placed and how should it be managed? There may be different answers to this question for different ages and different stages of life. Today, we invited three friends @ Lulu @ Chen @ Amin to share their experiences about contingency reserve arrangement with us.

1, high yield and high liquidity: the combination of money fund and national debt reverse repurchase

@ Xiao Chen, 25-year-old single female white-collar worker.

Here, I want to tell you a dilemma. One day, something very urgent happened at home, and fifty thousand yuan was badly needed. At that time, my account didn't have enough cash of 50,000 yuan, my credit card was maxed out, and the fund income in my hand was still negative! At this time, I began to think: if I sell the fund now, I will not only lose money, but also get the money for several days, and it will be too late. If it is a loan, the interest is only 3%. Anyway, just pay it back slowly every month. It is more important to solve this urgent matter first. So I was forced to take out a loan.

At that time, I just graduated and entered the society, and I was in the early stage of wealth accumulation. At this time, I suddenly realized the importance of emergency reserve fund and began to make a reasonable plan on emergency reserve fund.

Reserve fund planning:

I spend about 4000 yuan a month. According to the general demand of emergency reserve fund, I can meet my living expenses from March to June. I use Netease's rich app to keep accounts every month, forcing me to save a sum of money, and finally * * * prepared an emergency reserve fund of 20,000.

As for the deposit method of reserve, I adopted the combination of money fund and reverse repurchase of national debt:

Most of the emergency reserve funds are put in the monetary fund, and then the government bonds are purchased for reverse repurchase in a special period. Money funds have low risks and are not prone to extreme situations. Many money funds have the function of quick redemption, so high liquidity can also meet daily needs. The reverse repurchase of government bonds can also improve the overall income in some special periods, and there are 1 day, 3 days, 7 days and 14 days to choose from according to their own time limit. Every holiday eve or quarterly or annual node, the yield of reverse repurchase of government bonds will always soar instantly. At the end of 20 17, the three-day annualized rate of return in Shenzhen reached 14.04% and that in Shanghai reached 15.99% in three days! Therefore, this combination has both flexibility and high returns.

2. Everyone can use Yu 'ebao, but do you know there is Yu Bao Li?

@ 22-year-old female college student Lulu

When you are in your twenties, you don't need to save too much emergency funds, because there is usually no serious crisis, and you have the support of your parents. But I often can't control the hand I bought at buy buy when traveling or snapping up Double Eleven. At this time, I want an extra sum of money instead of asking my parents for too much money. I still remember that once I dropped my mobile phone in the toilet and wanted to change it for a new one, but I was afraid to tell my parents that my mobile phone was dead again:) The main reason was that two mobile phones had been scrapped within one year. At that time, contingency reserve arrangement will come in handy. I used part of my living expenses and emergency fund for a new mobile phone, which was so witty and miserable.

Reserve fund planning:

I usually deposit an emergency reserve fund of about 3,000 yuan in Yu 'ebao every two months. Once I use it, I will fill the vacancy as soon as possible. Yu 'ebao is actually a money fund, and now the income can basically be maintained at 4%. However, before Yu 'ebao started all kinds of purchase restrictions and handling fees, it was a bit desperate! However, it happened that another wealth management product of Alipay, Yu 'ebao, also has the characteristics of low risk and high liquidity, and it is also a good place to store emergency reserve funds. Yu's income is higher than Yu 'ebao, Yu's management fee is cheaper, and there is no handling fee for redemption, which is still worth my try.

3. The goods base is matched with short-term wealth management products to increase the flexibility of the reserve fund.

A 35-year-old middle-aged man Amin

At my age, in addition to daily living expenses, there are also expenses related to children's schooling. At this time, the pressure is relatively greatest, so it is very important to deal with emergencies of children and the elderly. So at this stage, I usually save enough living expenses for six months as an emergency reserve fund, and on this basis, I reserve more money to deal with emergencies.

Reserve fund planning:

All expenses at home plus mortgage, almost 60 thousand yuan for half a year, used to buy money funds. On this basis, I added 60,000 yuan to buy short-term fixed-income wealth management products, such as 30 days and 45 days. Goods-based income can basically be maintained at around 4%, while short-term fixed-income financial management can reach around 4.9%. The combination of the two increases the flexible space of the reserve fund.

In addition, when I can't buy suitable short-term financial management, I sometimes put my money in cash treasure. Cash treasure is a product similar to Yu 'ebao, which was launched by Huitianfu Fund Company. Like Yu 'ebao, it can be received in real time and taken out flexibly. The biggest advantage is that there are no financial restrictions and handling fees.

Generally speaking, contingency reserve arrangement is not a fixed figure, and its range is generally in the total expenditure of 3-6 months. How much to keep can be determined according to the fluctuation of household income and expenditure. If the balance of payments is relatively stable, contingency reserve arrangement's reserves can be appropriately reduced; On the contrary, if you expect to spend more money in the next few months, you can also keep a little more reserve fund.

In addition, for contingency reserve arrangement's investment targets, low-risk and high-liquidity money funds are first promoted, and Yu 'ebao, Yu Bao Li and cash treasure all belong to money funds. At the same time, it can be matched with the reverse repurchase of national debt. In the case of abundant funds, short-term wealth management products are also a good choice.

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