I've been putting funds in VWINX for about 3 years, so anything I pull out in 1 year from now, would have been "first in", so purchased 4 years before.
Don't talk yourself into believing this has anything to do with the $10K you need in a year.

Imagine how clever you'd feel, if you need that $10K in a year as a down payment on a house and you only have 9K because of a market blip. Not.

If you want it to be 100% safe and also accessible, the only place to put it is in a savings account.

Frankly, interest rates are so low now that you earn peanuts, so it's not worth taking ANY risk. Doubling the rate you get from 0.5% to 1.0% is only a difference of $50 in a year.

I'd look here: http://www.fatwallet.com/forums/finance/783099/ and probably put my money in CIT or SFGI or Ally. At these rates, ease and convenience are more important than the miniscule difference in rates.