Investing Daily Printable PDF My wife and I have most of our money sitting in cash right now. Normally, I’d take at least half of it and put it in the stock market. But with stocks trading at high multiples to earnings, I don’t want to risk taking a big loss if the market goes through a sudden correction. However, I am also not thrilled with the very low interest rate on our savings account. I understand why banks cannot afford to pay much interest at the moment. They don’t need more deposits; they need more loans!