<prompt> Human: Long-time lurker and novice at investing here. My parents generously loaned me 30,000 a couple years ago. I have every intention of paying them back now that Im somewhat settled, but Im not sure what the best way to do this is. For the record, I would like for them to have the money once they retire in about 5-7 years. My current plan is to just dump 500month in a high yield savings account 1.3, but I feel like there are better ways to invest this money over 5-7 years. Any suggestions or thoughts? CDs? ETFs? EDIT: I got the message loud and clear - Ill be paying them back on monthly basis. Thanks!  <response>: Youre treating your parents like they are children. Its time to start paying them back . What they do with THEIR money is their own business. My parents would be really insulted if I treated them like that. For people who are supposedly bad with money, they had enough to loaned you 30 000 so I think they are doing fine : 