<prompt> Human: I have 5k that I want to invest in one of Vanguards funds. Looking for a recommendation for what fund will1. Have low fee ratio2. Give a reasonable return for 5K3. Accept low enough minimum depositbalanceAssistant: you can get pretty much any of them, besides admiral shares, for 5k. which you choose depends on your risk tolerance, goals, and timeline.Human: Thanks for the reply. I am using as my emergency stash. I need a fund I can transfer funds out of within 2 days without penalty. I figured any true emergency situation now can be covered by credit cards.  <response>: Using investments for your emergency fund is a very bad idea. In the event of a market crash when your investments have lost a lot of value, that is precisely when you are more likely to lose your job and need to tap into your emergency fund to subsist. Put your actual emergency fund into a high yield savings account. Any money above that can be put into investments. 