<prompt> Human: This blog article claims that putting up to 60 of your efund in a low to moderate risk investments is better than cash account, because you are not safe from loosing money value from interest.This pretty much goes against the whole safe savingsretirement plan that is thrown around and quoted like a rule. Do any of you keep some of your cash savings in investments instead of cash accounts? To qualify, i think that this money should not be allocated to retirement, but is considered a cash savings, efund, or equivalent.What say ye? Shall we burn the heretics? Or consider their advice?EDIT: Sorry everyone, i didnt realize this was a directed sales article for Betterment. Please note that i am not a shill for them, unlike the author, but i felt he raised some interesting points that directly counter the general advice i have seen on reddit and otherwise and i wanted your commentary. Thank you for posting!  <response>: I think investing a portion of your emergency fund, at which point it really just becomes part of your overall portfolio vs. just an efund, is a solid plan for those who are past the Dave Ramsey beginner type of personal finance. For someone who has a solid financial foundation, I would recommend only keeping a few months in savings. Credit and outside investments can help them deal with a serious emergency.Theres also something to be said for reducing your exposure to the need for an efund. Buy reliable cars. Rely on that car less. Eat healthy and exercise to reduce health problems. Etc. 