I have been building up my rainy day account by depositing a fixed amount to Robinhood, not using it to invest, and earning a meager 0.3%, still better than traditional banks. My question is am I better off just using the proceeds to invest in treasury/tips etf? The annualized return plus dividend for tips amount to around 2%. Is there any downside risk to this? Obviously since it’s a rainy day account, I would want it to be as risk-free as possible

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Just FYI - you’re losing money on a 0.3% return.

how old are you? You should be way more aggressive right, you have plenty of time until retirement, and the gains you make now will compound into a huge difference in the future. The returns you’re getting don’t even keep up with inflation. Even mutual funds meant for retirees are around 20% equities. Nothing is ever risk free, and I’m not saying you have to go crazy, but you should seriously consider one of those target date 2060 retirement funds. They’re safe and if you don’t touch it you’ll almost definitely average out to 10% annual gains

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