22 يوليو 2025 Education
Emergency Portfolio: Your First Line of Defense During Crises
Nothing in this world is guaranteed... not your job, salary, health, or even relationships. That's why it's essential to be prepared psychologically and financially for any unexpected circumstances that might change our plans.
Emergency Portfolio: Your First Line of Defense During Crises
Nothing in this world is guaranteed... not your job, salary, health, or even relationships. That's why it's essential to be prepared psychologically and financially for any unexpected circumstances that might change our plans. For this exact reason, the emergency portfolio was designed - a portfolio that gives you security and acts as your support after Allah during times of need throughout any financial disruptions you face.
What is an Emergency Portfolio? 💼
It's an investment portfolio where you put a reserve amount for emergencies, while also providing you with excellent annual returns! The emergency portfolio is characterized by:
• High liquidity: You can easily withdraw your money at any time.
• Near-zero risk: Your money is safe and grows rather than decreases.
• Annual returns reaching over 5.10%: Protects you from inflation and grows your savings reasonably.
But remember: The goal of this portfolio isn't profit, but rather a hedging tool.
How to Start Preparing for Emergencies? 🛠
It's simple, but its impact is significant. We've made it easy with clear, concise steps:
1. Determine the Period You Want to Secure for Emergencies An amount covering 6 to 12 months of your essential expenses.
2. Deposit the Amount You Need The choice is yours: Do you prefer to deposit it all at once? Or deduct it monthly from your salary until you collect the full amount?
3. Let the Portfolio Work Silently Once the amount is complete, don't monitor the portfolio's performance or think about its returns. Don't forget it exists only to save you during emergencies.
Why is Having an Emergency Portfolio Important? 🛡️
Because it gives you:
• Peace of mind
• A sense of security
• Flexibility in decision-making during tough times
If you have an amount sufficient to maintain your lifestyle for 6 or 12 months without worry, you'll be resilient during crises and able to act comfortably regardless of what happens.
Is it a Luxury? Never 🚨
An emergency portfolio isn't a luxury item, but rather essential and fundamental. It's as important as a seatbelt in a car or a first aid kit at home. We might not like committing to it, but its presence makes us feel secure.
Start today. Don't wait to experience a harsh situation and regret not being prepared. Create your portfolio now and always stay ready.
Remember, Tamra Financial doesn't impose additional fees on your investments in the emergency portfolio if you're investing in other portfolios on the platform.