My wife and I are on our 2nd marriage and were both the ones that left with nothing (except inherited debt) and started again. After 18 long years we are now debt free. We invest, have plans and goals. We have a target of having 3, then 6, months worth of living expenses saved in a cash account. We are now at the point where we have 3 months. My quandary is - I am only earning 1.45% interest on this cash. Do I invest it into a high dividend ETF earning 3.5% (eg HDV) and take the risk, or just leave it in cash?