<prompt> Human: So initially i was drawn to the fact that my 401k isnt being taxed. The company that my employer goes thru is John Hancock and the net interest accrued over a 1 year period is like .4 which is worse than some high interest checking accounts. If my IRA is maxed out and my employer isnt doing any 401k Matching where should I take this 60k and growing and put it into some kind of investment account like a Mutual fund or something? I dont even know what my full options are. My goal right now is to get anything above 6-10 apy growth on unused capital. Non-liquidity is not an issue so long as its like 1-4 years.  <response>: Are you putting money into a 401k and not investing it in anything?... Because with you comparing it to high interest checking and only getting a.4 return on the market, iut makes me think the money isnt in any fund. 