If you are over $250K limit and need that money under 2-3 years then T-bills is the way to go. I haven't used it as I'm not a US resident but I hear that it's s

If you are over $250K limit and need that money under 2-3 years then T-bills is the way to go. I haven't used it as I'm not a US resident but I hear that it's straightforward. Beyond 3 years it makes sense to spread it among Index fund, gold ETF etc., depending on your need, risk appetite etc., But then we are venturing into "investment" and not "safe keeping". https://www.treasurydirect.gov/marketable-securities/treasury-bills/ https://www.treasurydirect.gov/marketable-securities/treasur...