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Best area credit unions?
I quit today :)
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You have that much amount at least for emergency funds
Small cap and mid cap are highly volatile...so be ready to be invested for a long time for best returns
If u want better than FD returns which is also bit safe...then u cn put in a debt fund
Choose a thematic fund too...that invests in particular sector
If you dont know anything about market and just want to grow with market and get back ur money with increment put in some index fund..(low fees..tax advantage...diversified)
Note : above is just a recommendation, take time and do your due digilent analysis and take decision.
Thanks.