Three to six months of fixed expenses in liquid cash. Not invested. Not in Pillar 3a. This is the foundation every other financial decision depends on.

Emergency Fund\n\n

This article provides educational information about the Swiss financial system. It does not constitute regulated financial, investment, pension, or tax advice. Navinua is a financial planning support tool operating outside the scope of regulated advice under FinSA/FIDLEG. Swiss figures are correct for 2026 — verify against the Navinua Assumptions Register for subsequent years.

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