Don't let cash lie idle in current or savings accounts! Split it into various offshore investment options, some index linked to stock market growth and guaranteeing your cash investment return at the end of the term (typically 2-5 years) which can get u up to a 35-80% return on ur investment period depending how the indices ur linked to perform. Put some into funds - the asian market is excellent at the moment especially India n China. BRICs are a good option (Brazil, Russia, India, China) 76% return in 1 year for me on one. Funds based on property r good. Or as ur talking in dollars, I believe the US property market is slumping - buy into it cheap and remember location, location, location will grow again quickly. Be prepared with any investment to take some losses as well as gains. My net gain for this year across a parcel of investments amounted to 21.7%. Some losers n some winners. Don't forget to keep enough in the current or savings account to deal with day-to-day expenses though.