How Would You Allocate $80K Between Savings and Investments?

Have about $80,000 saved in the bank and looking for some feedback on how to allocate it and invest it. Here’s how I’m currently thinking of splitting it up: UIF Savings Account: $25,000 (3.56% profit rate / 3.62% APY) UIF 12-Month Time Deposit (CD): $20,000 (3.74% profit rate / 3.79% APY) AMAGX (Amana Growth Fund - Mutual Fund): $15,000 HALA + SPUS (ETFs): $10,000 UMMA (International ETF): $10,000 That would put $45,000 in UIF savings/time deposits and $35,000 into investments. I’m wondering

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