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re: Investing Emergency Fund?
Posted on 1/3/17 at 1:55 pm to Janky
Posted on 1/3/17 at 1:55 pm to Janky
quote:
ot any
quote:
I honestly don't know why more people don't do this, it is super easy.
Because a gap down could be painful for an emergency reserve.
Touche on the not all investments have sell-stops. Not sure why I said that.
My personal thoughts about an emergency fund and investing is always that the risks of both the stock market crash of over 20% and you needing the emergency fund are very very low, unless you are a stock broker or something. Furthermore, if you invest the money and after 2-3 years get a 20% or great return now you are hedged even greater against a loss. Certainly there is moderate risk the first 2-4 years of investing the money, but after that its almost all gravy as any loss is still greater than you had originally if you had not invested it.
1
Posted on 1/3/17 at 2:01 pm to baldona
Let me also say that it would be pretty bad advice for a financial planner, accountant, etc. to recommend that you invest your "emergency" fund. I would 100% agree there. By pretty bad advice I mean as in I'd probably recommend firing them.
At the same time, on a less professional level I think it is foolish to look at it as a black and white situation.
At the same time, on a less professional level I think it is foolish to look at it as a black and white situation.
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