{ "media_type": "text", "post_content": "Should I invest my emergency fund (30k) in a portfolio made up of 70% fixed income/30% cash? This is based on Schwabs intelligent portfolio for opening a rainy day fund for emergencies?\n\nAlso, if I want to save up for a down payment, should I just put that into a HYSA or consider the portfolio mentioned above?\n\n Thanks in advance!", "post_id": "616f407a303fbb002bd17cac", "reply_count": 8, "vote_count": 1, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

Should I invest my emergency fund (30k) in a portfolio made up of 70% fixed income/30% cash? This is based on Schwabs intelligent portfolio for opening a rainy day fund for emergencies? Also, if I want to save up for a down payment, should I just put that into a HYSA or consider the portfolio mentioned above? Thanks in advance!

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How much cushion do you think you will need? The fixed income could drop some, but not likely that much. Depends on the quality of the fixed income. If treasuries it should be reasonably stable depending on interest rates. If junk bonds, it could drop quite a bit if the market drops

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Don’t think I’ll be using the emergency fund anytime soon so I guess I have a big cushion? But yeah I don’t think this portfolio would invest in junk bonds so it should be fine

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You should be buying Bitcoin. Fixed income is dead. Have a good day

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True for liquidity purposes but not in terms of retaining purchasing power

Are you expecting return to be much higher than HYSA? I have a bit of my investment portfolio in fixed income for diversification purposes - but that seems like unnecessary exposure to rates going up for an emergency fund.

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