<prompt> Human: Currently my savings is sitting in a bank, zero growth. I will need access to the a large portion in a year for a planned large purchase. My goal is to put 25 in a long-term savings plan. Im looking towards mutual funds or bonds. For the other 75 Id need to be able to withdraw the principal within a year for a low cost. Im thinking about putting that on e-trade and doing an aggressive short-term investment with lower diversification. Maybe ride the Fit train for July then hop off. But then theres Loyal3. Blue chips but limited options yet fee-free. Any suggestions would be awesome, Thanks!  <response>: Doesnt look like youre ready to invest just yet. 