<prompt> Human: Ive been keeping some of mine in a savings account, but then decided to put some of it in a 5050 mix of bonds and stocks to get some more interest since its just sitting there.  <response>: your emergency fund is not an investment. your emergency fund is more like an insurance policy. do you expect to get some interest on your payments to Geico? no, because you understand its not an investment, its a risk-protection strategy. there is no safe stock market fund. keep your emergency fund in a savings account, money market account, or possibly CD. something safe and boring. the last thing you need is for your emergency fund to be cut by 30 because the North Korea crisis or something happens at the same time your car needs a new head gasket. invest in addition to your emergency fund. 