<prompt> Human: I am wondering what to do with a down payment on a house certainly not an insignificant amount of money when due to circumstances I wont be making the purchase for another year? I have been told to just get 1-year CDs, but the return is pretty low. I feel like index funds may be a bit too risky, since we may be near the top of the market. Is there another way to handle the funds until they are needed? Thanks for your help.  <response>: Put it into a high yield savings account multiple accounts if its over 250k at the highest interest rate you can find. 