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> You don't. Emergency funds are for emergencies.

^^^^

This, this, this and THIS !

Emergency funds = cash = it goes into a boring bank account.

Full stop. No arguments.

If you have to "sell" or "close" something in order to get it, it is NOT emergency funds.

If there are conditions on your access to it, e.g. "n Day Access" then it is NOT emergency funds.

Your emergency funds are sacrosanct. Put them in the most boring bank account with the most boring bank you can find, maybe with two banks just to be safe (if you live in the UK, put it with NS&I where the account is 100% guaranteed by the government, i.e. over and above the £85k guarantee that is available with normal banks).

If you have spare cash sloshing around after you have put a decent chunk aside in your emergency accounts, then you can invest / chase interest rates with that. But DO NOT mess around with your emergency funds.