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[quote=Anonymous]You really need to figure out with your partner what the timeframe you might need the money is, and your joint comfort level with the possibility that an investment might go up and down-- so try to identify some of it as emergency fund, and some of it as 3-5 year money, and then see if any of it is more than that.

For the emergency fund I would keep it where it is, except that money that you did not expect to need within 12 months I'd put into i-bonds (you can each buy $10k/year, so $20k immediately and then think about doing it again next year).  For the 3-5 year money, I think you could leave it where it is, roll it to i-bonds gradually, or set up a CD ladder for it.  Alternatively you could  consider a conservative balanced fund (meaning stocks and bonds), like Vanguard Wellington-- that is a fairly conservative investment but it certainly can lose money so you'd need to consider whether it would worry you having it exposed to the market.  A short term bond would also be a option for conservative investment, but again there is risk of loss with a bond fund.[/quote]

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