2023-11-09 21:01:00
Experts in a publication on Banki.ru gave recommendations on creating a financial safety net. In times of turbulence, it is necessary to be prepared for a crisis, layoff, unplanned expenses, repairs or large purchases.
As analysts explained, the financial airbag is mainly aimed at saving money and putting it aside for an emergency. To form a safety cushion, it is recommended to deduct at least 10% from your salary to the reserve. This way you can gradually bring the pillow to the required level.
Only when the reserve is formed can you start investing. In this case, two rules are important: minimal risks and the ability to convert investments into money at any time without large losses.
“It’s better to create a long-term, diversified portfolio that will allow you to achieve certain financial goals: saving for a major purchase, such as a car or apartment, a vacation or a child’s education. When creating a safety net, financial discipline and the habit of saving part of your money are formed. These skills will help in the formation of investment capital,” says Bogdan Zvarich, chief analyst at Banki.ru.
At the same time, the most cautious ones should give preference to conservative instruments – deposits or bonds.
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