[Fishhead24]

Personally, as I have recommended my personal friends with similar dillemas, is to put half in a high yielding savings account(5.25%+) and the remaining 25,000 in the stock market dividing your portfolio into four stocks with at least one of them paying a 2.5% dividend and ALL FOUR BEING IN DIFFERENT SECTORS of the market.

So for example...........

SAVINGS--25,000 at 5.30%

STOCKS--25,000

1. OIL($6250)
2. RETAIL($6250)
3. FINANCIAL$6250)
4. DRUG($6250)

Preferably all quality stocks with at least one paying a dividend of 2.5%. Chances are that all your stocks will pay some type of dividend, but make sure one pays at least 2.5%.

There are many ways to play the market. I personally believe this is a much better way to play the market at this time than fiddling with any type of index fund.

Good luck,
-FH-