Do I really need "savings" if I have enough stable investments?

I have over $400k in investments. A majority of it is in medium risk mutual funds and etfs, with some bonds and individual stocks thrown in. I recognize any of these things can go down at any time, regardless of risk level. Over the last 15 years that I've moved towards this diversity of funds, I've maintained a 13% return. Here's my question - I keep reading that I should _also_ have a savings account for "safety" and liquidity. So... why? I never need money quickly, as in, in less ti

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