<prompt> Human: I am considering investing the majority of the emergency funds in SPDR SP 500 ETF Trust, which tracks the SP 500. In the last five years its appreciated by 85.11. It also seems like a conservative investment since it tracks the entire SP 500. The dividend yield is 2.04.I want to pursue a buy-and-holdpassive investment strategy. Does this plan sound sensible?  <response>: No, its not sensible. Emergency funds should not be invested aggressively or at all. In the last five years its appreciated by 85.11.Thats because we just had a crash 8 years ago. Past result is not an indicator of future performance. 