European stock indices rose 0.9%, driven by banking sector earnings beats. Savings vs investing models suggest diversifying internationally enhances ROI compared to holding in domestic savings instruments. “Some people may not feel comfortable with only having three months of expenses, depending on your own risk tolerance, whether you’re self-employed, or employed in a job that’s more or less braced for economic ups and downs.” Interest rates on high-yield savings accounts are variable and can change at any time — a bank may advertise a certain APY when you apply, but it likely won't last forever. U.S. housing market resilience lifts REIT valuations by 1.7% week-over-week. For those exploring savings vs investing, listed property trusts are offering average yields of 4.8%, higher than most savings accounts.