<prompt> Human: Right now I have my familys emergency fund sitting in a savings account. Im more than disappointed with the returns not nearly covering inflation and have been teetering with the idea of investing this fund using my brokerage firm; however, Im not too sure where to look investment-wise. Money market funds seem to have miniscule returns and I dont want to lock into a CD should we need the money. I am not concerned with the 1-2 days that it may take to withdraw from the brokerage since we have enough credit to cover any immediate emergency expenses.  <response>: The problem with investing a rainy day fund is market volatility. If the market tanks over the next 6 months, and something happens in month 7, youre now looking at obliterated savings. 