QUESTION: Можно ли держать подушку в инвестициях?

The question of placing a financial safety cushion in investment instruments requires a balanced approach, since the main function of such money is to be available at any time. It is extremely undesirable to completely keep the untouchable reserve in securities or other risky assets.

The bulk of the safety cushion should be in the most liquid and protected instruments, such as demand bank deposits or savings accounts with daily interest accrual. This guarantees that in the event of an emergency, the money can be withdrawn without loss of accumulated income and market commissions.

A permissible compromise is placing a small part of the reserve fund in conservative and highly liquid instruments with a minimum level of risk. Nevertheless, even in this case, one must take into account market volatility and the possibility of quick withdrawal of funds without losses.

The main rule of financial reserve management is that stability and predictability are always more important than potential profitability. The main volume of the cushion must remain in a safe haven to protect the owner from any unforeseen life shocks.