<prompt> Human: Long story short I make more money than my simple lifestyle costs, so the result is I have about 60k sitting in a savings account not doing a whole lot. Ive invested about 20k in stocks and mutual funds, and Ive been maxing out my IRA every year since Ive started working, but I still have a lot sitting around not growing.Im afraid to invest it all in something like stocks because of the risk. I also want to be able to take it out with relative ease if I need to do something like pay for a down-payment on a house or buy a car, so in other words I want to do something that is relatively safe but still better than sitting in a savings account.Does anybody have any recommendations?One thing Ive considered doing is investing it in my banks Target 2050 retirement mutual fund that I have put most of my IRA funds into, and it has been doing pretty well and I trust the people managing it more than I trust my own ability to read the market. However, since this is a mutual fund meant for people investing into an IRA, would there be disadvantages if I invest a large sum of money into it as just a normal brokerage account?Thanks for your help all!  <response>: You are afraid to invest in stocks, but you want to invest in a mutual fund that is 90 stocks? 