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I always kept quite a bit of cash (by my standards anyway) in Synchrony, an online bank. For ease of movement if needed - to keep very liquid. It was paying 2% a year ago, then 1% mid year, now .75%.
So about 4 months ago I decided to take a few Grand out and invest in the Market thru eTrade. Decided that auto stocks would be a good bet, esp since many are investing in elec/batt vehicles. And auto sales should take off once the COVID slows. So that investment was wise +++. Then researched some sole-elec vehicle stocks (not Tesla) - bought 3, and BAM! One is up 150% the others 50% (should have invested more, you know...).
Then a month ago bought 2 EFTs - one for Infrustructure stocks, other for elec vehicle mfrs. And they are slow growers for now - but should be a great long-term investment. So my play-money - rather than a measly .75% is now at 20%+, and should continue to grow nicely - no matter the politics.
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I have CDO. It's like OCD but all the letters are in alphabetical order - AS THEY SHOULD BE. 
"Yesterday Belongs to History, Tomorrow Belongs to God, Today Belongs to Me"
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