<prompt> Human: So I have cash just sitting in our checkingsavings earning at most .25.I want to invest all of it but my wife does not want it locked up and available for discretionary use.I was looking at an Ally online savings account which earns 1.Are there any other accountscompanies that have higher yield without a commitment to lock up the money?Stocks arent really an option since my personal preference is to not sell during a down turn.EDIT: There seems to be notion that this is my only investment from the responses. This is my liquid cash that I want to maximize instead of it just sitting there while waiting to be used.I already have a mixture of real estate, IRA, 401K, stocks, CDs, 529, and pension in my investmentretirement portfolio.This is strictly discretionaryexcess cash I have laying around for my monthly use.  <response>: An online savings account like Ally, Barclay, or Goldman Sachs would be your best bet. There are special checking and savings accounts offered by smaller banks with higher interest rates, but you have to jump through so many hoops and do so many things that its a big hassle for a relatively small amount. You could do tax-exempt bonds, but then the principal could decline. Generally, the more liquid and safer an investment is, the less the return. 