<prompt> Human: Hey everybody, new to posting here. Anyways, I have a large amount of money in my savings account and I hate to see it essentially losing money due to inflation every year while I watch my retirement accounts grow by leaps and bounds. Are there any disadvantages to putting these emergency savings into my individual brokerage account and invest in my usual mutual funds? Besides the obvious issue of markets being volatile, is there anything Im missing here? Seems almost like a no-brainer.  <response>: My only other concern would be accessibility. If the savings account that youre referring to is also your emergency or rainy day fund - having it in investments might make it difficult or time-consuming to extract when you need it for an unforeseen expense. A major home repair, medical incident, car accidentfailure, etc. may require access to those funds very quickly, and getting your money out of your investments might take too long.But, if youve got a fully funded emergency fund 3-6 months of expenses is the rule of thumb, theres no reason not to invest your liquid cash: especially if you dont plan on using it for a while. 