How are safety nets calculated?
Based on your monthly expenses, we establish your ideal mattress, which is 6 months. This period is generally considered to be the most appropriate.
We compare this amount to your very safe and liquid investments: savings accounts and fonds euros. However, we do not take your checking accounts into account, since their balance is likely to change quickly according to your daily transactions.
How should I interpret my safety net?
This is perfectly acceptable if you need 12 months of reserves to sleep well! In our experience, most investors are unaware that too much cash is not earning anything. An indicator like this is there to remind you that every euro invested on a medium that returns less than inflation loses value!
