<prompt> Human: I have over 250k in cash saved up. I know its not working for me, but I am unsure what to do with it. I dont want to risk it in the stock market and have trust issues when it comes to financial advisors. How can I maintain liquidity, maintain control, minimize risk and still grow this money? UPDATE: Thanks for answers and links. Ive decided to put the money into a diversified portfolio of mostly mutual funds. Wish me luck!  <response>: How can I maintain liquidity, maintain control, minimize risk and still grow this money? x200B;You cant have all those things. There is some risk with everything, you just have to balance risk vs. reward. Over long periods of time you will come out way ahead of just leaving your money in a bank account.Start with the prime directive: That will tell you pretty much everything you need to know. I would start by maxing out any retirement accounts first, set aside a 6 month cash emergency fund and put the rest in a brokerage account invested in index funds. If you have a low risk tolerance then you can weight your portfolio towards bonds. Go like 5050 bonds equities or something. If you want more advice about specific funds we can help you, though this isnt specifically an investing forum.x200B; 