As I mentioned on my blog, I keep a small emergency fund now. Before, I was keeping 15’000 CHF which was about 3 months expenses. Now, I reduce that to a maximum of 10’000 CHF. Considering my insurances and deductible and the 10’000 CHF more available on my credit card if necessary, I feel really comfortable with this low amount of cash.
I only keep as much as I expect to need for known expenses. Otherwise my investments are liquid enough to cash in very quickly in case of emergency.
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