実践ガイド
まず生活防衛資金
生活防衛資金は金融の安全ベルトです。成長より先に土台を守ります。
重要ポイント
- 安全が先
- 流動的で分けておく
- ストレスを減らす
- 投資計画を守る
Why it comes first
Without a cash buffer, any unexpected event can force you to sell investments at a loss.
The emergency fund is therefore a protection tool, not dead capital.
How much to keep
The amount depends on income stability and household fixed expenses.
Many investors use 3-6 months of essential expenses as a baseline.
Where to keep it
Use liquid, easily accessible instruments, not volatile assets.
The goal here is not maximum return, but immediate availability.
次にすること
Calculate your monthly essential expenses and build the buffer before accelerating investments: it is one of the most mature moves you can make.