<prompt> Human: Ive got 100,000 sitting in a high yield savings account earning 0.9. This is money that I wont need for another 1-3 years. Whats the best type of investment for this time horizon? Some ideas Ive come up with: Muni bond EFTfind e.g. MUB, VWITX Covered calls with high quality and stable stock 121836 month CD Put towards current home mortgage, then refinance later to get cash out  <response>: CDs if the return is higher. Thats the only thing thats appropriate for that time horizon. 