<prompt> Human: Id like to open a CD because I think its the best solution for my goals I want to travel in 5 years and finance a bit of that with the money my CD would accrue.However, I hear interest rates are now very low, so I wont do it if I cant find an institution offering a rate that would combat inflation and give at least some reward. My CU is offering a 2.5 APY for a 60-month certificate; is this something I should jump at?  <response>: 5 years is a long enough time that I would be comfortable putting the money in the market. Like a Vanguard Moderate Growth LifeStrategy fund or something like that.Should get way more than 2.5 oercent, but does have risk obviously. 