Hi all! Do you guys include investments in SSB as part of your emergency funds?

U need to understand that emergency funds means you are taking the money almost immedi ately for use.
As long as take note of the time lag, it is a fine area to place your funds.

They are some better alternatives such as singlife saving account, multi currency, jump-start, cimb fast saver

If SSB forms the bond component of my investment, I would not include them as emergency funds. Conversely, SSB would still be a good place to park emergency funds because it is fairly liquid and capital guaranteed.

Yes. While SSB might not be so liquid to the extend you can get your money back immediatey, it is indeed a good alternative to park your emergency funds in the long run. Plus redeeming SSB is also a timing issue, it could take as little as 5 days or up to 30 days to get your cash back.​​​

To me, an emergency fund is suppose to be for an emergency, which means you will need to use the money immediately. For SSB, you have to wait till the next month to withdraw the money so there is still quite a bit of waiting time, therefore it is not part of my emergency. The emergency fund should be in a high interest savings account such as cimb fastsaver or standard chartered jumpstart.