If you plan to buy a house in two years, then I would recommend putting your money into CD's.

You can ladder your money into CD's, with all of them maturing at the end of two years.

Put a portion of your money into the CD's at 3 month intervals, with all of them coming due no later than 2 years.

This way you are not only getting a higher return on your money, but it is still FDIC insured, and you are not tying up all of your money with the same maturity. And every 3 months, a portion of your money comes due, so you can either reinvest it for a short term (3 mos., 6 mos., 1 year, etc.), or keep it stashed in a money market fund.

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Paul S.

2001 E430, Bourdeaux Red, Oyster interior.
79,200 miles.

1973 280SE 4.5, 170,000 miles. 568 Signal Red, Black MB Tex. "The Red Baron".