<prompt> Human: My time frame as approximately 5 years. I currently have about 25k above emergency funds etc, looking to accumulate 100k plus for a down payment. Im trying to avoid locking the money up in obligations or exposing it to much risk. I currently have a Synchrony account with a 1.5 interest rate and just opened up a TreasuryDirect account and am reading up on T Bills.Thank you in advance.Assistant: 5 year treasuries are like 2.5 right now, so thatd be better than the 2 youll get in a high-interest savings account or a CD. If timing is truly flexible, then go with the 5-yr treasury and just wait 5 years. Human: Timing is somewhat flexible, it basically depends on when I can get the money and personal situation squared up. Im wary of locking into a 5 year commitment and a 5 year rate tho.  <response>: Then your best bet is to put it into 2-year CDs or 1-year CDs, or into a high-interest savings account. 