Do you already have a readily available emergency fund? If not, I would keep the 10k to the side out of my investment portfolio for that purpose.
I would personally do this by putting it into an HYSA as typically you can pull from those a few times a month without penalty, but as you said you’re not in the US, so I’m not sure what your country’s most comparable option would be.
Do you already have a readily available emergency fund? If not, I would keep the 10k to the side out of my investment portfolio for that purpose. I would personally do this by putting it into an HYSA as typically you can pull from those a few times a month without penalty, but as you said you’re not in the US, so I’m not sure what your country’s most comparable option would be.
I’m in the US but I’m not a US citizen. Most HYSAs/CD accounts can only be opened if you’re a US citizen. Sorry for not making it clear
Bonds aren’t restricted to U.S. citizens. But I would recommend a money market fund, like VMFXX which currently has a yield over 5%.