Bonds paying 4% vs savings/MMF have the same tax treatment.Most people are advised not to keep bonds in taxable accounts and many of us are under 59.5, so could not touch bonds in an IRA.
If you have access to a good, short-term bond fund or MMF in a tax-deferred account, it would make sense to have your emergency fund in that account and hold an equivalent amount of equity in your taxable account.
If I had that option, I'd use it.
Statistics: Posted by exodusNH — Sun Sep 07, 2025 11:17 am — Replies 25 — Views 699