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A retirement savings account -Free to open an account -Grow your interest and earnings tax-free -There is no risk of losing money This is a good way to park emergency funds. myRA accounts earn interest at the same variable rate as investments in the Government Securities Investment Fund in the Thrift Savings Plan for federal employees. These investments have an average annual return of 2.94 percent over the ten-year period ending December 2015. Good interest rate, no capital loss .... amount invested can be withdrawn any time tax free (?). Why not park emergency funds here? After 15,000$ your account gets rolled over into a regular IRA.