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.
One survey found that over two in three Americans are not confident that they have enough emergency savings to cover a month's worth of expenses. Another survey found that 43% of Americans said they wouldn’t be able to cover an unexpected $1,从他们的储蓄帐户中取出钱来，花了000美元.1,2
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.
一旦你的积蓄开始积累, 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. The Federal Deposit 保险 Corporation (联邦存款保险公司) insures bank accounts for up to $250,每位存款人000美元, 每一个机构, 本金加利息.3
Others turn to money market accounts or money market funds in emergencies. 而货币市场账户是储蓄账户, 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 联邦存款保险公司 or any other government agency. 钱 market funds seek to preserve the value of your investment at $1.00美元一股. However, it is possible to lose money by investing in a money market fund.4
货币市场共同基金按招股说明书销售. 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 the 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.2023年2月23日
2. Bankrate.2023年3月16日
3. 联邦存款保险公司.政府,2023
4. Investopedia.2023年3月14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 手机赌博软件下载 to provide information on a topic that may be of interest. FMG套房不隶属于命名 broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见和 所提供的资料仅供一般参考, and should not be considered a solicitation for the purchase or 出售任何证券. 版权 手机赌博软件下载.
