<prompt> Human: I was curious if theres any benefit to having emergency fund in a low-risk ETF?I saw USAA had relative new ETF offerings and fairly low expense ratios at least from what Im aware of. Wondered if it was worth it to move out of a money market with pretty low yield.Id like to keep money in USAA if at all possible just for ease of managing my finances, but if theres an unbeatable rate out there that I really need to be in on, Im willing to entertain.Thanks!  <response>: low expense ratio doesnt equal low risk.an emergency fund is not, and shouldnt be viewed as, an investment 