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Saan maganda ilagay ang emergency savings?

Saan ba maganda ilagay ang emergency savings?

Easy access in case of emergency dapat ang emergency savings. Kaya dapat may bahagi ng emergency savings mong nakalagay sa ATM at digital banks since these are available 24/7.

To avoid temptation and inadvertent use from non-emergencies, maganda ring maglagay sa passbook accounts. Time deposit in banks and cooperatives is another option since this gives potential to earn higher interest but still have relative liquidity option.

Ang personal favorite kong pinaglalagyan ay ang Pag-IBIG MP2 dahil ito ay may 100% government guarantee and high yield. Although bear in mind na 15 banking days ang processing ng withdrawal.

Other options include Government retail treasury bonds or retail dollar bonds, Money market fund or bond fund, SSS Flexi Fund for OFWs and SSS PESO Fund for Non-OFWs.

Kayo, saan nakalagay emergency savings ninyo?

Laging tandaan na ang emergency savings natin first and foremost dapat secure. Your money is safe and capital is preserved. It should also be liquid, easy to access with little time. Lastly, dapat ang yield mas mataas kaysa inflation.

 

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

USEFUL RESOURCES

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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