<prompt> Human: As I mentioned in a couple other threads, Im currently working on selling my house were going into escrow today. After topping off my emergency fund again and paying for a newused car, I expect to have a bit more than 100k left over with which to start a business. I dont expect to actually need that money for the business for 6 months to a year. What should I do with that it in the mean time? Is it worth putting in a normal savings account? This is the most liquid funds Ive had access to in my life and Id like to make the most of it.  <response>: It depends on your risk tolerance and required capital for the business. Most people here will suggest to just stick it in a 1 high yield savings account which is good advice. Personally, I would recommend being slightly more aggressive by putting 50k in a High yield savings account and gambling a bit on the other 50k with a vanguard lifestrategy income fund VASIX which is 80 bonds and 20 stocks which makes your overall portfolio of that 100k: 50 cash, 40 bonds, 10 stocks. To me this offers a better expected return without an unnecessary amount of risk. However if you will definitely need the entire 100k, and it will be hard to add to this amount based on your current cash flow, taking on any risk is probably a bad idea. Im assuming you actually only need an unsure amount of money say 80-100k, in which case losing 5-10k in the investment wont likely hamper your potential to open the business. 