I will have a savings account of a maximum of $250,000 for my emergency fund. This will not include the emergency fund for the realty company as there will be no realistic way to put enough into savings for a 6 month payout that would be less than $250,000. Instead, any money in excess will go the Swiss account. As for my personal savings, this will be good if I should have to rely on an emergency fund to cover for bills because of a poor investment month. There is no way to predict how things will turn out month-month, and that is the point of an emergency fund.