Yo Mr Jacboy, Pls use wisely towards ya financial management. No ppl can hav such big big monies. Dun waste it by putting FD. N btw, y ins 20k? Die then 20k? Pls ensure ur life is well protected before doin any investment such as buy enuff ins to protect urself, if anythin do happen to u then ins co will pay. To me i will buy ins enuff to cover all my liability first. Then plan extra monies either in investing or do business. Plan well fren.