Emergency funds are insurance, not an investment. Stability and quick access usually beat chasing returns.
Open the ETF vs Savings CalculatorThe main job is to be available when you need it — which often happens during market stress.
No. Savings is often safer for short timelines and emergency funds. ETFs may be reasonable for long horizons.
Many people prefer 5+ years, but it depends on volatility and your flexibility.
Use the same contributions and timeline in the ETF vs Savings calculator and compare outcomes.
No. Treat results as estimates and use conservative assumptions.
Run a conservative savings scenario and a conservative ETF scenario, then compare.