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Howard
Ours with Vanguard is 16% over the past three years, which was more like 20+% at points before C19 but even so has paid for a new boiler and helped us through unpaid maternity leave. The money is fairly quick to access (although not instant) and actual emergencies go on a credit card until the transfer comes through.
There was a big C19 dip at some point (right when we needed the boiler) but it bounced back within days so maybe we’ve been lucky with timing.