实用指南
先建立应急资金
应急资金是财务安全带，先保护计划，再追求增长。
要点
- 安全先于增长
- 流动且分开
- 减少压力
- 保护投资计划
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.
现在该做什么
Calculate your monthly essential expenses and build the buffer before accelerating investments: it is one of the most mature moves you can make.