Just For Thinking ...
I often observe that some people are asking similar question in financial educational forums or blogs : "I have some money rotting in the bank. Can you help me?"
It is like going to your GP and ask:"Doc, I am not feeling well. Can you help?"
It is more important to ask yourself one question before going around asking others for financial advice.
Without knowing why are you keeping money in the bank; most likely these bloggers will give you motherhood statement responses. It is not going to be helpful to you.
That one question that you must ask yourself: Do you foresee the need to use up most of your money (e.g. 80-90%) in 1-2 years?
If yes, then losing the value of your money due to inflation may be better than taking the risk of losing your money to other market players. Time in the market can be your ......