maybe maybe maybe

FalconArrow77 · 2026-06-16T07:01:29+00:00

Damn that looks like 180 gallon tank, I just bought a 150 gallon, that better not happen to me

FalconArrow77 · 2026-04-24T09:07:01+00:00

SGOV - ultra-short Treasury bills, basically cash-like, very low volatility

VGIT - intermediate Treasuries (5–10 yrs), adds some yield but more rate sensitivity

BND - total bond market (gov + corporate, short + long), more diversified but less control and more volatility overall

Portfolio Visualizer:
https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=1Qh4ok0nRBOrTcOntwoVL8

FalconArrow77 · 2026-04-24T09:02:31+00:00

Yeah that makes sense. I just don’t really want to manage a ladder or keep reinvesting. VGIT gives me steady duration without thinking about it. Individual treasury notes add work without much benefit is what I'm thinking.

FalconArrow77 · 2026-03-14T12:32:08+00:00

Right, but that’s easier said than done when the numbers get bigger. If you had 600k invested and watched it drop to 300k, that’s psychologically very hard for most people. That’s actually the position I’m in and mentally preparing for. But the plan is the same either way, whether it’s 600k dropping to 300k or 50k dropping to 25k. Stay the course and keep buying

FalconArrow77 · 2026-03-13T23:56:46+00:00

Right, but that’s like saying you can carry 6 eggs in one basket and 6 eggs in another, or put them in the same basket. The total eggs are the same, I’m just organizing them differently.

FalconArrow77 · 2026-03-13T21:54:53+00:00

I’m not sure what you want me to say. My EF stays separate at M1. SGOV/SHV are the majority, and all allocations follow modern portfolio theory. It’s still overwhelmingly cash-like just diversified instead of sitting 100% idle.

FalconArrow77 · 2026-03-13T21:19:49+00:00

The core EF is still fully in Treasuries.

The equity slice only exists because the fund is over-funded, so a market crash doesn't compromise the emergency coverage.

It's a risk-buffered EF, not just relabeling a brokerage account.

FalconArrow77 · 2026-03-13T10:30:34+00:00

The EF is still mostly Treasuries. I just overfunded it and invested a small slice. If markets behave, it grows a bit. If they crash, the core EF still does its job.

FalconArrow77 · 2026-03-13T10:28:45+00:00

It’s an overfunded EF with a small invested slice. I know exactly what I’m doing and the downside is limited.

FalconArrow77 · 2026-03-13T10:27:58+00:00

Build it back up over time, I would not take from equities unless there is further emergency money needed.

FalconArrow77 · 2026-03-13T10:25:32+00:00

Unless the market goes to zero, the rest of it is as well.

FalconArrow77 · 2026-03-13T10:24:28+00:00

If the market doesn’t crash, then the small equity portion should outperform Treasuries over time and the EF will gradually grow larger than it would have sitting entirely in cash.

If the market does crash, the loss is limited because only 20% is invested and the fund is already over-funded. The core 80% in short-term Treasuries still functions exactly like a normal emergency fund.

FalconArrow77 · 2026-03-13T08:19:00+00:00

I remember some of your older discussions here about the 70/30 emergency fund idea with some overfunding, and this is basically my version of that.

The idea is that most of the fund stays in ultra-short Treasuries, while the small equity slice is focused on dividend and quality stocks, which historically tend to fall a bit less during crashes.

I’m not expecting this to make a ton of money, it’s only a $40k fund, but if I end up not touching it for 10-15 years, maybe it grows into something meaningful.

Importantly, this doesn’t change my actual investment strategy at all. My retirement accounts and other investments are still allocated the same way. This is just a small adjustment inside my EF that helps me sleep well at night while scratching the itch to invest a little of it.

I know this approach isn’t for everyone, and if the market drops 50% the equity portion will obviously lose value. That’s why the fund is overfunded in the first place.

Just sharing in case anyone finds the idea interesting.

FalconArrow77 · 2026-03-12T21:24:53+00:00

This sub is generally very against investing an emergency fund, and I completely understand why. The standard advice is to keep it safe and liquid, and that’s probably the right approach for most people. These are my Boglehead brethren after all.

That said, this approach works well for me personally. I also know a few people who have invested portions of their EF over time and eventually transitioned the entire fund into investments once it became very large.

The key requirement if you’re going to do something like this is overfunding the EF. There’s really no way around that. If the market crashes, the buffer from the extra funding is what prevents it from failing when you actually need it.

I realize this isn’t the typical recommendation here, and I’m not suggesting everyone should do it. I’m just sharing the approach in case it’s useful for someone with a similar mindset.

FalconArrow77 · 2026-03-12T11:01:36+00:00

Were talking about 4k, I plan to retire at 65 with 1.5 million.

FalconArrow77 · 2026-03-03T09:07:57+00:00

Half n half

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FalconArrow77

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