You obviously cant lose your entire bankroll in one trip if you are playing with a reasonable ROR. Instead of letting the rest of your money sit in a bank not growing, would it be a good idea to keep it invested somewhere.

I'm thinking of doing the following with my 60k bank:

20k liquid cash to play with
20k in an accelerated savings account with ~1.5-2.0% interest
20k in a moderately aggresive mutual fund.

This is all speculation but the reasoning is I have 2/3 of my bank in 0 risk locations and I would have to lose 66% of my bank before I touch mutual fund stuff. If my mutual fund dips and I have to pull money I am essentially locking in a loss so this would be touched last.

Anyone do anything similar?