Asking this question under two hats, one personal and the other for a non-profit organization. We both have had investments in Certificates of Deposit that have/will mature in the coming months. The question is what do we do with the available cash going forward as the interest returns on the CDs are next to nothing. Fiduciary concerns with the non-profit make investments in equity/bond funds a touchy issue, though on a personal level that is not a particular concern. My wife and I are well into our retirement years with an adequate pension and social security and willing to undertake some risk on future investments, though the current investment climate suggests staying in cash until we see what happens in the next three months or so. Your collective comments and suggestions are most welcome (from a long time reader of the MFO discussions). Thanks.