<prompt> Human: Just got a sum of money. Would like to use it to help with down payment on new house in 1 12 years or so. Obviously Id like it to grow as much as possible in that time, but I dont want to risk losing it. I can do an online CD at 2, just wondering if there were any other options out there? Thank you!  <response>: realistically, thats your best risk free option. You can look at short term treasury bills but I think the CD is your best bet. 