<prompt> Human: I have about 70K set aside to develop an apartment in our basement for rental income. However, the construction market in this city is extremely tight and expensive, so I may wait a couple years to do the job. If I have no need for liquidity for two years, where would you advise socking away these funds for this period for a decent return??Many thanks!  <response>: Less than 3 years put it in a savings account earning about 1. 3 to 5 years you could do a bond index fund. Over 5 years, a stock market index fund. 