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Custom Emergency Fund Replacement

Elevation Finance

In brief

A low-volatility reserve model that prioritizes liquidity and capital stability over return.

Profile sources: Investor.govFederal Deposit Insurance Corporation

Published
Last reviewed

At a glance

3 asset sleeves

No scheduled rebalancing; refill after withdrawals.

Growth assets

0%

Bonds & reserves

100%

Other diversifiers

0%

Target allocation

What the portfolio holds

Treasury bills

SGOV

70%

Floating-rate Treasuries

USFR

20%

Treasury-bill cash proxy

BIL

10%

Tickers are liquid U.S.-listed examples, not recommendations or exact historical fund selections.

Allocation sources: Investor.govFederal Deposit Insurance Corporation

Decision context

Potential advantages and trade-offs

These observations follow from the displayed allocation and implementation. They are not a recommendation or a prediction of future performance.

Potential advantages

  • Uses only 3 sleeves, which makes the displayed target allocation straightforward to understand and maintain.
  • Publishes explicit target weights, making drift and rebalancing decisions measurable.

Important trade-offs

  • The largest sleeve is 70% of the portfolio, so its behavior can dominate the result.
  • Representative ETF results can differ from the originator's indexes, funds, taxes, fees, and execution.

Portfolio Visualizer

Compare historical performance

Backtest this allocation beside two familiar U.S. equity benchmarks. The comparison starts with $10,000, reinvests dividends, and rebalances annually.

Run comparison ↗

Growth of $10,000

Monthly total returns · maximum available history

PortfolioSPYQQQ
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3 holdings

Portfolio 1

Custom Emergency Fund Replacement

Target allocation from this profile

100%

Portfolio 2

S&P 500

SPY benchmark

100%

Portfolio 3

Nasdaq-100

QQQ benchmark

Portfolio Visualizer opens in a new tab because its site does not support embedded frames. Results begin at the latest common inception date for the selected funds.

Implementation note

This is an educational model, not a substitute for assessing liquidity, insurance coverage, taxes, and personal emergencies. BIL is used as a liquid Treasury-bill proxy in the chart; it is not an FDIC-insured bank deposit.

Sources and context

Target allocations are educational examples, not personalized advice. Fund availability, taxes, trading costs, account type, time horizon, and capacity for loss can all change the appropriate implementation. Historical diversification does not guarantee future results.

Sources document the strategy, underlying methodology, or the representative funds used here. ETF tickers are illustrative U.S.-listed implementations and may differ from an originator’s original funds or current model.