<prompt> Human: Finally maxed out my emergency fund. 20k. Right now it is in a savings account. Where is the best place to keep this money? Would like to maximize any returns or interest, but obviously keep it low risk and liquid.  <response>: Right now it is in a savings account. Where is the best place to keep this money?In a savings account. Emergency funds should be considered insurance, not an investment.Would like to maximize any returns or interest, but obviously keep it low risk and liquid.Risk and return are inseparably linked - you dont get higher returns without taking on more risk. Take risks in other parts of your portfolio - not in your emergency fund. 