Maximum security with decent rate?

hey guys,
i'm pretty sure this question has been asked number of times and i'm sorry for bringing it up again. but i just have a quick question.
lets say if you have about $400 000, how would you manage that money? what would yu do if you want maximum security. Wouldn't a saving account be the best option, 2th would be matual funds but that adds bit of risk. most savings account are offering anywhere from 3% to 4.25 which isn't a lot but five years down the road i think the 4% adds up.

the $400 000 is just a number i made up and i do no hold or have that much money..loll

thanks guys,

i'd say put into a CD account so you can get really high interest from in a couple years, or else you could go to a credit union and put it in an account there. i remember one of my friends saying if you worked for an entire year and left the money you made in the credit union account for 50 years by the time you retire you'd be livin the high life.



X3 or put it under your mattress like my mom does.

I'd lock up about 40% of the assets in a 5 yrd cd.
20% in a bond fund
40% in an online bank account (Ing Direct)