I currently have $100k in working capital & earnings set a aside from a business. It is earning a messly 3.5% in an online savings account. I'm looking for an ETF, ETN, REIT, fund, or another asset class that will have a higher yield without taking too much more risk. The money has to remain liquid in case it is needed in the business. Where is the best place to stash my working capital with little appetite for risk?