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Investment Profile

Investment Profile: Fallback Funds


U.S. Treasuries

Managed by

Goldman Sachs

Risk Level


Risk Level





This fund is the lowest risk investment on Stash. Historically, it generates income and can be a great place to put extra cash or savings to work. It’s made up of short-term US government bonds and nearly as steady in terms of volatility as a money market account.

Fallback funds offers investors a liquid, short-term, low-risk investment that is similar to cash, but may offer higher returns than an interest-bearing savings account.

Stash recommends having a rainy day fund (containing $500 to $1,000, typically in a bank account) and an emergency fund (containing 3 to 6 months worth of expenses) for all that life can throw at you. Fallback Funds may be a good place to invest some of your emergency funds for the long or medium term, so that your money is actively working for you by hopefully generating a return.

Note: Money invested in Fallback Funds can take up to five business days to sell and transfer to your bank account. Do not invest cash here that you might need immediately or might need for unexpected one-time expenses. Instead, consider using a bank account as an easily accessible rainy day fund.



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Stash Investment Details:

Conservative risk level

Risks and considerations:

Investing has its risks, and Fallback Funds is no exception. Because this ETF is composed almost entirely of U.S. Treasuries (government bonds), however, it is more susceptible to certain risks than, say, a fund that contains stocks. The two main risks that affect Fallback Funds are interest rates changes and inflation.

Read the fund’s prospectus for more details on this fund’s associated risks.

Read more about investing in funds on StashLearn

Fallback Funds is one of several ETFs and stocks available on Stash. You can find out more by visiting our investment pages.

By Stash Team

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