[recycled sixtie]

Originally Posted by Seahawk

I am not sure what, "doesn't need the money for 3 to 5 years" means.

Is she in the protection mode or growth mode? What is her risk tolerance, understanding of financial risks, etc. Can she afford to lose the money?

An hour session with a financial planner would be well worth her time.

Let her decide. Giving financial advice to a friend is a bad idea.

+1
This is the best advice.