With an emergency fund, you can’t expect much of a return on your savings. Compound interest is common on loans but is less often used with deposit accounts. Next Article. It’s up to you to determine if a fraction of a percentage point in additional returns is worth the time it takes to do additional research. Published: Aug 15, at PM. By choosing the one that appeals most to you based on your risk tolerance — or by mixing and matching multiple ideas — you can get on the path toward long-term financial security and build up a nest egg that you’ll be able to tap whenever you need it. Follow admlvy.