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Living defense funds are essential to continue investing.
Living Defence Fund is a cash to prepare for un業, illness, sudden expenses, household appliance failure, moving etc.
If you start investing without this money, you may be sold at the time when the market falls. It is a form that can not be continued due to lack of preparation of household account rather than failed by investment.
The investment is made by a margin. This is a very practical rule.
What is Living Defense Fund?
Living Defence Fund is a cash in preparation for収入 enditure and income reduction.
Not money to increase. It is money to protect.
The role is different from investment funds.
| Types of Money | Function |
|---|---|
| Lifestyle | Monthly Money |
| Living Defense Fund | Money to prepare for sudden expenses |
| Investment Fund | Long-term money to increase |
If you invest in living defense funds, you will be troubled when you need it.
If the market is good, it is not visible. It is a scene where the market is bad and the household is bad.
Why you need to invest
In investment, the value falls.
Even for long-term investment, there is a possibility that it will be big down on the way. If you spend more time, you can only sell at a cheap price.
| When there is no living defense funds | Easy to get up |
|---|---|
| Diseases and un | 投資minate investment products |
| Home appliance failure | Sell in the fall |
| Revenue | Stop loading |
| Quick payment | Rely on loans and revo payments |
It is important to buy at good time.
It is not sold when it is bad.
Living defense funds become a cushion for that purpose.
How much is needed?
It depends on the person.
The required amount changes depending on whether you are a company member or self-emp。ed, family member or alone, or if you have a fixed fee or low.
In general, there is a way of thinking to spend a few months in cash.
| Contact | Why you want to keep thick |
|---|---|
| Freeス | Easy to change income |
| Dependents | It is difficult to reduce end res |
| High fixed cost | There are few places to escape |
| There is a plan to change | Income white space is easy |
On the other hand, if you live in your home, there is a low fixed cost, and the person whose income is stable, you may be able to reduce the required amount.
The most important thing is not to use any other person’s guide.
Living Defense Fund Places
Defending funds are placed in a place that can be used immediately.
It is not an investment product with value movement, it is a basic form of liquidity such as ordinary deposit.
| Location | Unsuitable |
|---|---|
| Deposit | Easy to use |
| Time Deposit | Check withdrawal conditions |
| Investment Trust | Unsuitable because there is a value drop |
| Company Profile | Priceがctuation is not suitable |
Living defense funds are not the money to follow the yield.
It is best to use when you want to use.
Living defense funds make it easier to invest.
Even if the market falls, there is a sudden出enditure, it is because you do not sell the investment product immediately.
Make cash first before you start investing. In this way, we operate a small amount of money. This order is effective as a beginner.