<prompt> Human: Have for an emergency fund. My bank offers .11 for a money market account. I also have an account with vanguard for a roth ira, but their prime money market seems to only be .01? Are there any recommended ways I could reduce the effect of inflation on my emergency fund?  <response>: Are there any recommended ways I could reduce the effect of inflation on my emergency fund?Its not really worth worrying about. Emergency funds are insurance, not investments. They dont need to keep pace with inflation they need to keep pace with your expenses, and in the current low-interest environment you arent going to find anything that does that you should have your EF in. 