Better invest ur money in FD first, make it as liquid as possible. probably u can decide to park it at different bank. te sum insured by PIDM is rm200k, wait for the upcoming recession to come. dun expose urself to any stock, or u can invest in bonds (but nt junk bond), to get a minimal return of 4% pa if u willing to take certain risk. u can consult a financial planner, since u have so much money to invest. alot of the professional will willing to help u plan for ur money.