The emergency fund is usually something you would be able to withdraw right away so yeah maybe the bank is a good place to keep it. I don’t put mine in major banks though, I put it in my digital banks like Tonik. I don’t know if it’s a good decision but I sure hope so. Their rates are better I guess. Have you heard about it?
HBD is really the best option. It’s hard to invest unless you really know what you are doing. Same as starting a business.
Barako is too strong for me so I’ll accept what you’re offering now 😅
First time hearing about Tonik. I may need to do some reading about them. 😊