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How to allocate your emergency savings portfolio

Your emergency savings should be equivalent to 9 months worth of your expenses. Which makes you think, sa laki ng amount na ito, what’s the best way for emergency savings fund allocation?

Bilang inyong financial guro, I advice you to place the first three months’ worth of expenses of your emergency savings in an ATM accounts or digital banks. Madali kasing maaccess ang mga ito kapag may di inaasahang pangyayari dahil available 24/7.

To avoid temptation and inadvertent use from non-emergencies, magandang ilagay ang katumbas ng 2nd 3 months worth of expenses ng emergency savings sa Pag-IBIG MP2, at passbook o time deposit sa bangko. With these, may potential to earn higher interest, pero relatively liquid pa rin.

Anything in excess ilagay sa mga sumusunod and I enumerate this in my personal order of preference: government retail treasury bonds or retail dollar bonds, time deposit in strong cooperatives, money market fund or bond fund in mutual funds or unit investment trust funds, SSS Flexi Fund for OFWs and SSS PESO Fund for Non-OFWs.

Hindi naman kinakailangang lahat meron ka nito. Pumili lamang ng komportable ka sa mga ito because your emergency savings should be secure, liquid and have positive returns.


Ako si Sir Vince, nagsasabing ang pagyaman, napag-aaralan at napagtutulungan.


Sources of information and practical tips on money management

Different kinds of investments

Preparing for retirement

How are articles on retirement

  1. 10 Commandments of retirement
  2. Mga kinakatakutan ng retirees at paano ito paghahandaan
  3. Magkano ang matatanggap mong SSS pension upon retirement

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