<prompt> Human: I have been thinking for a while that given the low rates offered, I might want to invest money in stocks rather than savings account. After briefly researching the question, the main response is yes its still worth it, for emergency funds. But thats what my current account is for... What am I missing?Update: for those with the same question, a popular alternative seems to be online banks where interest rates tend to be higher 1-1.5. Look into Ally or Discover.  <response>: Emergency fund in savings accounts is to serve a couple of functions. Do more than cash sitting in your house in a safe. Be Liquid so you can access it within a day if you need it for an emergency. Be there reliably without risk of losing it in a market downturn. 