<prompt> Human: I have 500K in a 1.5 interest money market account. I plan on using the money as a down on an apartment building sometime in 2019.Leave the money in the 1.5 interest bearing account or is there someplace better to put it? Cheers!  <response>: Generally considered a bad idea to invest money that you need in the soonish time frame. From the wiki:Typically you should not invest money that you will need soon. When you have extra money that you know you will want to use soon, you can put it in a regular savings account at your bank and earn a minimal amount of interest. If you put it in the stock market it might go up some more, or it might go down some more. The problem comes when you need the money and the stock market is down relative to when you bought it. Since the stock market is always going up and down, you might put in 10,000 and in 6 months there is a risk it will only be worth 9,000. If you needed 10,000 you will have to find that extra 1,000 from somewhere else in order to have the right amount of money.If I have exact dates in mind, I may consider a CD. Edit: Worth making sure you dont mess yourself up with FDIC limits. 