<prompt> Human: I intend to make a large cash purchase approximately 4-5 years off of about 100,000. Despite what might look good on a spreadsheet financing, Im married, and since its a hobby purchase, its cash or nothing.I started a separate savings account about a month ago and will be able to put about 20-25k year into it.That leaves 4-5 years until I can make the purchase.My question is, do any of you have any ideas on the best ways to reduce that. Obviously this is not a 30year investment so limiting risk is more important than higher yields.Right now, with no searching whatsoever, was me glancing at a bank ad last time I was making a deposit and they had 6month CDs at 1.3. Sure, I could put each new deposit into one of those and roll them over as they mature. But there has got to be a better option right?  <response>: A high yield bond fund like VWEHX is a good spot for some of the money. 