For emergency fund within Merrill Edge: TTTX (MMF) or SGOV (ETF)?

I have a few accounts with Merrill Edge. Along with a couple of ETFs that I favor and invest in,I also have two accounts that I consider my emergency fund accounts (rather than having HYSAs).

One of them is TTTXX and the other is the ETF SGOV.

However, I feel now that it's redundant to have both - even though SGOV is considered a "bond ETF" and TTTXX is considered a money market fund. My aim is to simplify.

Should I sell off one and put the proceeds into the other? If yes, which one would you keep?

Posted Mar 8, 2026, 8:02 PM UTC

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