Offer your thoughts or opinion on the input financial query or topic using your financial background.

Strategy for investing large amount of cash
What you put that money into is quite relevant. It depends on how soon you will need some, or all, of that money.  It has been very useful to me to divide my savings into three areas...  1) very short term 'oops' funds. This is for when you forget to put something in your budget or when a monthly bill is very high this month. Put this money into passbook savings.  2) Emergency funds that are needed quite infrequently. Used for such things as when you go to the hospital or an appliance breaks down. Put this money in higher yeald savings, but where it can be accessed.  3) Retirement savings. Put this money into a 401-K. Never draw on it till you retire. Make no loans against it. When you change jobs roll over into a self-directed IRA and invest in an ETF that pays dividends. Reinvest the dividend each month.  So, like I said, where you put that money depends on how soon you will need it.