<prompt> Human: I have read the Wiki and looked at various FAQs e.g. I have X amount... but want to run something by you guysgals.Looking to invest about 100K that I wont need for the foreseeable future. Already maxing out IRA401K as suggested in the Wiki. No loans either. I have a healthy emergency fund as well. I am generally very cautious with investing so I was thinking of putting this money in a 5-year CD. However, I noticed that the Wiki doesnt really even mention CD as an investment option. Is it just better to put this 100K in an index fund if I dont need it for a couple of decades?  <response>: CDs are really only useful for funds where you have a short window, outside of that its generally better to invest it. 