Where exactly is it sitting? Most money which is &quot;saved&quot; finds way back into the economy via fractional reserve lending by banks where it is stored. It&#x27;s very hard to just make money &quot;sit&quot; somewhere these days when financial institutions all compete to lend and invest money.<p>Seems like Apple&#x27;s money is invested in a diverse portfolio of equity markets: <a href="http:&#x2F;&#x2F;www.zerohedge.com&#x2F;news&#x2F;2012-09-30&#x2F;presenting-worlds-biggest-hedge-fund-you-have-never-heard" rel="nofollow">http:&#x2F;&#x2F;www.zerohedge.com&#x2F;news&#x2F;2012-09-30&#x2F;presenting-worlds-b...</a>