I would pour the lot into physical gold personally, though not at it's lowest price in 3 years it is circling there about and with international tension after international tension gracing our news outlets, it will only take one hot incident to make the price soar, if NATO doesn't abbandon its plans to intergrate the Ukraine into its ranks, Russia will keep trying to destabilse its sovereignty and in response NATO will implement more sanctions, and eventually Putin will snap and cut of the gas to Europe, boom economic crisis, gold always goes up in those and rarely settles lower than its value pre crisis, this time next year that 21k could be worth double ...could ...it could also be worth 21k ...or 22k but unlikely less than 21k.