You may already have retirement funds, but it’s important to have savings that are not retirement specific as well. Mutual funds, ETFs, and other savings vehicles have a potential to generate returns from the market and grow your assets over time, while not penalizing you if you use them prior to retirement. Due to market fluctuations, each vehicle has it’s own risk and rewards. And, they can be accessible in the near term while still allowing your money to grow for your future needs.