“幸福的家庭都是相似的，不幸的家庭却各有各的不幸。”当发生重大变故导致收入中断时，若没有一笔充足的紧急备用金可供动用，往往会陷入一时困境，严重的会对今后生活产生重大影响。
家庭储备金
疫情期间，澳洲失业的人比比皆是，很多投资房都出现了空租的状况，一些家庭甚至有亲人不幸感染病毒。因此，每个家庭都应该准备好家庭应急资金，未雨绸缪，安装好“家庭财产安全气囊”，保证资金的流动性。
家庭应急资金应根据自身情况进行储备，一般来说半年的家庭固定支出是比较合理的储备金数目，固定支出一般包括日常生活费用、房贷利息、房租、物业水电费等。
保险问题
保险的主要目的就是为了获得风险保障，维持个人、家庭的经济安全和生活稳定。上有老下有小的家庭，购买保险是一个明智的选择。个人保险包括人寿保险、TPD完全及永久伤残保险、重大疾病保险、收入保险都是有必要的。
保险是家庭理财的基石，它可以减少预期以外的事件对家庭造成冲击、防止意外的生病或者事故而导致的整个家庭的崩溃。例如疫情期间，如果家庭成员不幸患上了冠状病毒，那剩下的人不至于无法支付房屋贷款。
资产风险规避
在做投资组合时，一定要对不同的资产进行风险的分散。可以小部分资金追求高收益，但一定有定量的资金以安全、保值、稳定为首，稳健运作。
大部分华人朋友投资都倾向于把个人资产放在房地产上，但是，在现在这个比较波动的投资环境里，不能只追求资产的增值，而应把更多的关注点放在资产的保障和安全上。例如，如果您是一个资深的房地产投资者，您可以把资金分散到商业地产上面，比如说仓库。
除了房产投资以外，华人朋友还可以将一部分的资金分散到开放式的基金或者固定收益或者国债等投资产品上来分散风险。根据自身风险承受能力，合理配置各大类资产间的投资比例，并根据市场变化预期动态调整。
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