Anybody? Advice? Ive clearly ruled out investing in CDs due to the lack of interest rates, even for longer termed commitments. Considering the Vanguard Total Stock Market Fund VTSMX for a larger portion of the sum. Provides a mix of small, mid, and large cap stocks, slightly riskier than what I have current investments in, but has performed well over the last decade. Low expense ratio=lower fees. Appears to be the type of fund that would make sense for my situation.