You might look into a CD ladder. Keep $20k out for the current year spending, then divide the rest equally between CDs for 1, 2, 3, 4, and 5 years. In a year when the 1st CD matures, take out the $20k for that year's spending and roll the balance into a 5 year CD. Repeat each year as a CD matures.You probably won't get 2% today. The best 5 year CD rate I saw in a very quick search was about 1.8%. And the shorter term CDs will have lower rates. But if rates kick up over the next 10 years, you might get close to an average of 2%.--Peter
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