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My family has several IRA accounts, 8 at last account when you include three Edu IRAs for the kids. One of these, a Roth, has stayed in a money market until our emergency fund moves from 3+ months to 6-12 months of funds. I was thinking of buying I-bonds with this liquid money and keeping it there 15+ months. Is there a good reason not to do this, other than not putting equities into a Roth? Does anyone know what sort of broker fees, if any, are reasonable? We use Waterhouse.

As background, I expect it to take at least 12 months to get the emergency fund fattened up, and this may go a fair bit longer. I just turned 36 and do not expect to ER until at least 50.

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