<prompt> Human: Hi. Im 30, just started working, and have a job where I can save 60K a year for the next 3-5 years for purposes of a house downpayment...in the bay area or LA where moderate houses can run 1-2M.Problem is, I dont know exactly when I would need access to this money...2 years, 5 years, or never. The variability has to do with what kind of job my partner can get, and where we will end up living.I dont want to stick it in a CD, bond or some mutual fund where I would get penalized for withdrawing early if I want it sooner. I also dont want to stick it in the stock market because its too risky short-term. Is letting it sit in a Wells-Fargo savings account the only remaining option? tl;dr see title.Summary Seems like my options are:1. CDs: would need to ladder them, pretty inflexible and hands-on opening up a new cd for n-i years in year i for i0..n-1.2. High-interest savings Ally or SmartyPig: get 0.8-1 interest rates, entirely fluid and hands-off3. Mix of mutual funds from Vanguard: 0.5-2 interest afaict depending on length of time. Also seems entirely fluid and hands-off.Anyone have any more comments about 2 vs. 3?  <response>: High interest savings account is your best bet. 