Budget & saving · Module 8

What if a big
bill suddenly comes?

A reserve for emergencies protects from debt – and brings peace of mind.

◔
Financial reserve
How much?

Three to six months

3–6 monthsof expenses as a guide
Morewith irregular income
Liquidavailable at any time
With or without

Peace instead of debt

With reserve

Surprises out of your own pocket – no stress, no interest.

Without reserve

Expensive loan or card – the debt spiral looms.

SecurityPeaceIndependence
Where to keep it

Keep it available

Separate accountapart from everyday
→
Liquidavailable at any time
→
Emergencies onlynot for wishes

Here availability comes before return.

The order

The reserve first

1. Reservebuild first
2. Investonly after
Protectionno forced sale
Good to know

Is your reserve in place?

💡 First step: A solid reserve is the basis before any investment – how much makes sense for you depends on your personal situation.
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This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg

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