Our Emergency Fund Portfolio
is a better way to
secure your short-term needs.
Description
The
Emergency
Fund
Portfolio
The Emergency Fund Portfolio can be a better alternative to high-yield savings accounts. This lower-risk portfolio seeks to beat inflation by 1-2% over the long-run. This portfolio performs best when interest rates are high and starting to decrease. Consider the differences between our Emergency Fund Portfolio and a high-yield savings account.
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Emergency Fund Portfolio
High-Yield
Savings
Long-term return
Inflation-adjusted return
Max drawdown
Result when interest rates fall
3-6%
1-2%
10%
Bond prices in the portfolio rise
1-5%
0-1%
0%
Lower interest
paid
Performance
as of 12/31/2025
The
Emergency
Fund
Portfolio
Disclosures
The
Emergency
Fund
Portfolio
Model & Hypothetical Performance Disclosure
The performance results shown reflect a hypothetical model portfolio and do not represent the performance of any specific client account. Model performance is for illustrative purposes only. Actual client results may differ due to cash flows, timing, and implementation. Past performance is not indicative of future results.
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Assumptions & Methodology
Returns are based on index proxies or third-party data sources deemed reliable. Allocations assume quarterly rebalancing. Performance is shown net of underlying fund or index expense ratios and assumes a 0.50% annual advisory fee, applied quarterly. Performance does not include trading costs and taxes unless otherwise stated. Actual client experience will differ.
Risks
All investing involves risk, including loss of principal. While the model seeks to manage risk through diversification, it is subject to market, interest rate, and other risks. Periods of loss and drawdowns may occur, including during adverse market conditions. The model allocation includes exposures that may experience substantial volatility and declines. Future market conditions may differ from historical conditions used in this analysis.
Not a Guarantee or Forecast
Hypothetical performance is not a guarantee of future results and should not be interpreted as a prediction or projection.
Suitability Disclosure
This material is for discussion purposes and is not a recommendation. Suitability depends on the client’s objectives, financial situation, risk tolerance, and investment horizon.