Tại sao bạn cần có “Quỹ khẩn cấp” trước khi đầu tư?

 

Nhiều người khi bắt đầu tìm hiểu tài chính thường lao ngay vào đầu tư chứng khoán, vàng hay bất động sản. Tuy nhiên, có một nguyên tắc quan trọng ít ai để ý: luôn chuẩn bị Quỹ khẩn cấp trước khi đầu tư.



Quỹ khẩn cấp là gì?

Đây là khoản tiền dự phòng để sử dụng trong những tình huống bất ngờ như:

  • Mất việc

  • Tai nạn, bệnh tật

  • Sửa chữa nhà cửa, xe cộ

  • Những chi phí khẩn cấp khác

Bao nhiêu là đủ?

Các chuyên gia khuyến nghị nên để dành 3 – 6 tháng chi phí sinh hoạt.
Ví dụ: nếu bạn cần 10 triệu/tháng để sống, quỹ khẩn cấp nên có từ 30 – 60 triệu.

Gửi ở đâu?

Quỹ khẩn cấp không nên “đóng băng” trong đầu tư dài hạn. Thay vào đó, bạn nên để ở những nơi:

  • Tiết kiệm ngân hàng ngắn hạn (có thể rút bất cứ lúc nào)

  • Ví điện tử / tài khoản thanh toán có lãi suất

  • Các quỹ đầu tư trái phiếu ngắn hạn

Tại sao quan trọng?

Nếu không có quỹ khẩn cấp, bạn sẽ dễ bị buộc phải bán tháo tài sản đầu tư khi gặp khó khăn. Điều này khiến mọi nỗ lực tài chính trước đó “đổ sông đổ biển”.

👉 Kết luận:
Trước khi nghĩ đến việc làm giàu nhờ đầu tư, hãy tự hỏi: “Mình đã có quỹ khẩn cấp chưa?”
Đây chính là tấm khiên bảo vệ tài chính cá nhân – một bí mật nhỏ nhưng cực kỳ hữu ích.

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