In the case of the OP, who was thinking about an emergency fund, the question is whether or not you need the money. As for me, I'm not in the market to trade. Generally, I'll hold to maturity. But if I need the money sooner, I need the money sooner.Bill On needing the money sooner:When buying CDs at a brokerage, there is no early-redemption provision. You have to sell them and see what you get.I've figured out that bonds are easy to understand if I just hold to maturity. Vickifool
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