How quickly do you need to be able to access this money in the future? If immediately, put it in high yield savings accounts. If you can tolerate a bit of a del

How quickly do you need to be able to access this money in the future? If immediately, put it in high yield savings accounts. If you can tolerate a bit of a delay then a CD ladder or a ladder of treasuries is the way to go. If you're using banks for either savings accounts or CDs mind the FDIC limits. You'll probably need to split that much across multiple banks.