{
    "success": true,
    "data": {
        "id": 1646687,
        "msgid": "misconceptions-in-managing-emergency-funds-not-for-seeking-profits-no-need-to-overdo-it-1774958114",
        "date": "2026-03-31 18:13:59",
        "title": "Misconceptions in Managing Emergency Funds: Not for Seeking Profits, No Need to Overdo It",
        "author": "Teuku Muhammad Valdy Arief",
        "source": "KOMPAS",
        "tags": "",
        "topic": "Finance",
        "summary": "Financial expert Yan Ardhianto Handoyo advises that emergency funds should prioritise accessibility over returns, recommending placement in savings accounts or deposits rather than investment vehicles. He suggests allocating 3-6 months of living expenses for singles and 6-12 months for families, cautioning against excessive accumulation beyond these guidelines. This approach ensures financial security without diverting funds into higher-risk investments prematurely.",
        "content": "<p>JAKARTA, KOMPAS.com - In building an emergency fund, the public needs\nto have the perception of not chasing profits. Moreover, having a large\nemergency fund or one exceeding the recommendations of financial\nplanners does not necessarily reflect healthy financial management.\nFaculty Head of Sequis Quality Empowerment (STAE) at Sequis Life, Yan\nArdhianto Handoyo, stated that the public should not seek profits in\nplacing emergency funds. Instead, emergency funds must always be ready\nto be used at any time when needed. \u201cUsually, they are placed either in\nregular savings, because they can be withdrawn using an ATM, or in\ndeposits,\u201d he said during the Sequis Life Halal Bihalal event Better\nTomorrow Start Today, on Tuesday (31\/3\/2026). Yan emphasised that the\nplacement of emergency funds does not need to consider fund development.\nThis is because, if the main goal is fund development, then the\nmanagement of that money falls into the realm of investment. Unlike\nemergency funds, investments can be placed in instruments that offer\nreturns (yield) such as mutual funds, bonds, shares, gold, and property.\n\u201cFor emergency funds themselves, we do not see them as something to be\ndeveloped, but the need is quick,\u201d he added. A small note: for\nindividuals who are not yet married, emergency funds can be allocated at\n3-6 months of monthly living expenses. Whereas for a family, the\nemergency fund should be 6-12 times the monthly expenditure and kept in\nsavings. \u201cEmergency funds are also not about making them excessively\nlarge, say up to five years of living needs, no,\u201d he said. Once the\npublic has met the requirements for building an emergency fund and has\nextra money, investment placement can be considered.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/misconceptions-in-managing-emergency-funds-not-for-seeking-profits-no-need-to-overdo-it-1774958114",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}