<prompt> Human: I have two Insight card accounts which each give 5 APY for their associated savings accounts for the first 5,000 placed in savings. That means when I start saving up to 10,000 I will get 5 APY on that money, guaranteed.How do I make the decision as to whether to allocate all of my first 10,000 of my money I want to make money for me, to this, or whether a possible 10 or more gain in the market stocks, vanguard funds is better for me, or calculate how 5 compares with current inflation and how much compared risk is there with investing that money?If you had a 5 APY savings account up to the first 10,000, how much of your first 10,000 would you put in it vs in the market?  <response>: If I had a guaranteed 5 APY for the first 10K, you bet your ass Id be putting 10K in there. However, it really depends on your overall financial picture. If you have no reason to keep that much in cash, then putting it in tax advantaged accounts may be a better option. 