Investors who are serious about investing should know about investing and then proceed towards investing. I've heard of some investors who are so serious about their investments that they keep a separate fund to invest in Bitcoin consistently. The advantage of having separate funds is that if an investor ever misses a series of investments or after a financial crisis, the investor can maintain a series of investments from his emergency fund. Before we invest we should be so serious about our investment then we will be successful in our investment.
Hey mate, I think I have a problem with maintaining your accumulation from your emergency fund. There should be separation of concerns in your investment journey and emergency fund should be used only for real emergencies and not converted to accumulation funds. There is a possibility of having emergencies at anytime and if they come around at a time that you have converted them to your holdings, then you'll have no other option than to tamper with your portfolio to solve emergencies and this is really a very bad practice in its totality.
I believe there is limited chances your backup funds would really survive after your crises, yet the duration of crises tends to differ and some get back to their feet faster than others, and I think that you should not touch your emergency funds when you bounce back to your feet unless you've real emergencies, but work to continue your accumulation journey with as much aggressiveness as you can maintain, while strategizing on ways to replenish the backup funds you may have depleted when you were down financially.