Your thread is somehow not cleared I mean I don't understand,  you are not specific I don't mean any harm  but if I have $15k I will invest like $2 to $3k and keep the rest cause the investment may not be guarantee and emergency can come up anytime so with the one left you can solve that challenge and before the remaining money will finish, one should've gotten another so that his/her investment will stay till maturity time don't allow covetiousness to reck you  ( don't dare to use all the money for investment because you want to make a huge profit).