<prompt> Human: Im about to borrow a large sum of money at a 4 rate. Its for future large purchase. Im afraid if I wait, the 10 year treasury will rise, so I locked it in. Wondering what to do with the cash for the next 18 months? Thank you.  <response>: If you plan to spend the money within 18 months you do not want to risk short-term losses in the equities market. Look at 12-month CDs which are paying around 2. 