I assume you are referring to your retirement investment accounts- not you personal checking or savings account. BIG difference. However, you are welcome and able to “invest” your checking and regular savings accounts in the stock market if you like, since it is your money.( level of risk is up to you). You have only yourself to account for losses. With the VEBA, even though it is our earnings and our money, we have no say in how it is managed or invested.