Date: Mon, 3 Oct 2005 18:36:16 CST
From: "Bucky" 
Newsgroups: misc.invest.financial-plan
Subject: Re: Emergency Fund and Asset Allocation
   posting-account=ThxfYg0AAADDe_aPenh0iXeyuij8MxJ8
	iQBVAwUAQ0HAcPl/I4+O31e5AQHKbQIAsQhDFRu4k00ZIx3Pw5Vkv7J7FdTr8VBd
	BgVSAuFrGEs0kcsCgMNkVTpkx3YoY1uWpu4iXhCm0Tt7u0aj9QcIbQ==
	=fvxb

orpheusNY wrote:
> My question is this: when allocating the remaining 2/3 of our
> non-retirement portfolio should we consider the emergency funds as
> fixed-income investments?  "Off the table?" Or perhaps half and half,
> since a 1 year emergency fund is on the conservative side?

My preference is to include emergency funds as part of the allocation
calculations. My philosophy is to come up with an ideal allocation that
suits your goals, without considering the emergency fund. Then look at
the allocation to see if the cash/savings bonds are enough to cover an
emergency.