<prompt> Human: Hey there rpersonalfinance,Im looking for some investment advice. My partner and I 32m 29f, Australia currently have about 150k of savings sitting in ING Direct term deposits earning 5.5pa. No mortgage or debt, currently renting. No major assets apart from a car and a bunch of furniturelaptops etc. I work full time earning about 110Kyear, shes just gone self-employed with a new business yet to bring in any income. Were able to save about 3Kmonth given our living expenses. Were both lowmoderate risk takers and are happy to tie up our money in something for around 5 years... after that I suspect well want to buy a house, start a family etc. My gut instinct says to continue growing the money slowly with compound interest rather than risk investing in property not liquid enough or stocks too high risk, but Im worried we might be missing out on better opportunities given the quantity of money we can invest.Any suggestions greatly appreciated!  <response>: 5.5 is quite good, compared to the rest of the world US: 1, NL: 2.3. A term deposit could give an even higher interest rate. I would indeed not put this money in risky investments. 