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| Does it sound risky?  | |
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On "average" - yes.
But we all have different tolerance - to each their own.
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| I leave about 1000 CHF more than I need each month. I can sell funds with no charge and get the money within a few days if need be. | |
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At a potential (large) loss...
There could be other "better" ways to cover further "emergency" expenses (e.g. via credit card etc.)
I prefer keeping a certain cash buffer - which can serve both as the EF as well as dry powder if a sudden drop(portunity) hits.
Don't mind the slight opportunity cost for that potential benefit.