Well, you’re sitting pretty. Enjoy your financial freedom and good health. My most basic advice would be to leave the money in the bank account, where you won’t lose a penny! There’s no need to take risk at this stage of life.
And putting on my “TerrySavage Moneylady” hat, I have a few questions for YOU! Have you updated your will or estate plan recently? Have you named that CD or MM account in the name of your Revocable Living Trust, where you can name a successor to act on your behalf if you are unable? this is not just for distributions after death — but if you are incapacitated, perhaps hospitalized. And have you given someone a healthcare power of attorney? And who knows where your financial and planning information is in case of emergency???
Please send me an email to Terry@TerrySavage.com if you haven’t taken care of this stuff, and I’ll try to point you in the right direction to get help. this is far more important than earning an extra 1% on your savings!