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For bond funds, the average expense ratio was 0.61% last year. That's flat from a year ago but down from 0.75% a decade earlier. Money-market funds saw their average expense ratio fall to 0.17% last year from 0.18% in 2012 and 0.42% in 2003. How much money should you keep for unexpected cash emergencies? The majority of experts recommend that your fund should be equal to your living expenses for three to six months. When you determine the actual amount of money to keep for emergencies, you have to take into account the size of your family and whether you have kids, your debt and the insurance policies which you have. You should prepare a quick budget considering all the expenses and bills you expect to meet before your next pay check. You should only borrow the loan amount you will be able to pay without facing any financial setbacks.


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