<prompt> Human: I recently received a 300k signing bonus for starting my new job. It is set up as a loan that they will forgive after I have worked there for 3 years. Theyll forgive 150k after the second year, and the other 150k after the 3rd. nbsp;I will pay no taxes on it this year, but I will pay taxes on the value of the loan forgiveness when I receive a 1099c after years 2 and 3. nbsp;Should I invest the entirety of the 300k, knowing that I will need 100k of it to cover the taxes in 2-3 years? Should I save 100k in a savings account and invest the balance?Assistant: Put 50k in a 12 month CD, put 50k in a 24 month CD, and put the remaining 200k in VTSAX or another low-fee total US stock market fund. Also, congratulations.Human: Interesting thought! I hadnt considered CDs. And thanks!  <response>: I think the point is to be safe with the money you need for the tax bill but be aggressive and long term with the remainder.CDs, TIPS or other government bonds would all be good options. 