Build resilience before taking avoidable investment risk.
An emergency reserve is designed to absorb shocks such as job loss, medical costs or major unplanned expenses without forcing the sale of long-term investments at an unfavourable time.
The appropriate size depends on essential expenses, income stability, dependants, liabilities and access to other liquidity. MyFundGuide's framework treats emergency liquidity as part of financial resilience, not as an afterthought.