<prompt> Human: Were getting 400k from a house sale and I have a few goals:1 Keep the money safe under FDIC or similar limits. Were going to be over the FDIC limit, but from what I understand if we have a normal bank account jointly, wed be covered for 500k.2 Keep the money safe from others. I have insurance and no debt after the house sale, but would rather not have this money exposed in any way to creditors or if someone were to sue me. if someone has an idea for this one Im all ears, but not a requirement3 Highest netting account with zero risk, and zero fees. Id rather have 0 interest if that means my money is guaranteed. I already maximize retirement and have no need for outside investments at this point of time. Im willing to hold it at 0 for up to five years, at which point I will buy a house or invest it elsewhere.Whats the best scenario for me? Id rather not do anything with too much work, so not interested in churning for bonuses or anything like that. My knee-jerk reactions were:1 Open up a 5 year CD and take the interest penalties if I end up cashing out early.2 Open a 1 online savings account jointly and just leave it there.3 Open a CitigoldChase Private account for killer banking services the next few years. I wont get shit for interest and they will probably hound me, but I am a sucker for fantastic banks. I tend to buysell a lot of cars and dont want hassle getting cashiers checks or cash, just get in and out without waiting in line. Its worth it to me to forego interest in this case.  <response>: You really ought to sit down a fee only financial planner, who is willing to appoint himself as fiduciary. There are likely some investment options that offer very low risk, but more than 1 return. Worth paying a few hundred dollars for someones expert advice, someone who is paid just to give the advice and has no interest in generating huge commissions for himself. 