I’ve been scouring the web today about emergency funds and HYSA. I did a search here and came across a post that mentioned high bonds/low stocks for emergency funds - hadn’t thought of that and it sounds like a good safe way to go vs HYSA @ 0.5%.

I also saw a youtube vid where they recommended having 4 emergency funds: cash, local bank, 3 different credit cards (V, M, AMX), and a trusted friend. It seems like those would be sufficient if an “emergency” happened and having the 3-6 mons in a brokerage acct is the way to go (only 3-5 day withdrawal wait).

I guess my question is, I know its minimal risk with bonds, but what is the worst that can happen having that 3-6 mons in high bonds/low stocks? Does it matter which one you choose (i.e. BIV or VGIT) - I’m new with investing so I’m not sure if one is more beneficial for an emergency fund? I’m almost at the point of “just doing it” but definitely have some paralysis of analysis going on. Any help would be appreciated.

Edit: I didn’t realize it but I saw that there was already something posted similar to this today that got a little contentious. Thats NOT the intention of this post. I’m a newbie and researching like crazy so I’m just soaking up all perspectives and experiences.