<prompt> Human: Over the last 10 or so years I have saved up a little over 120k cash which is currently in an Ally Bank savings account earning 0.87. In addition I have around 30k in an emergency fund. I contribute 20 of my pay to an employee 401k plan at my office. I currently rent dont really want a house and have zero debt.I would like to invest the 120k into something fairly safe that earns more than 0.87. While I have no plans to do anything with the money, I would like to be able to withdrawal it if I really needed to without incurring lots of penalties and fees. It also has to be pretty simple set it and forget it as I am not very savvy when it comes to investing.Ive done a bunch of reading on investing but I feel more confused than when I started. If anyone has any advice theyd like to share I would greatly appreciate it.  <response>: AutoModerator must be busy.Please read the FAQ. 