<prompt> Human: As the title says, I have 5,000 to gain returns on, but I need it in 6 months. I actually have 10,000 but will be using that to do some things around the house. All of this culminates in 6 months when I have my first child. As I imagine that is going to bring with it unexpected bills, Im going to need it then, at least penalty free access.But right now? Its in my savings account doing nothing. Where should I put it? Stocks? Bond? Mattress? Thanks for any and all help.Notes: I have no investments currently, I have a pension that Im buying into so theres no retirement plan, Im in NY and own mortgage my own home.  <response>: An FDIC-insured savings account. 