David,There's really no investment that pays a higher return because it takes you a week, not a day, to get your principal. If you want risk free liquidity, 2% is all you're going to get in the market. If you're willing to assume some risk, buy some low P/E dividend paying stocks (FDP, POS, ING, REITs, MRK, utilites, etc) Or perhaps corporate bonds or MUNIs. If you don't need as much liquidity, a CD is the obvious choice. Nick
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