Yamuna is interested in investing money but wants to make sure that most of it will be available soon so she can buy a car. What is the best low-risk investment choice for her?

A certificate of deposit is generally a low-risk investment because it earns a set interest rate. Yamuna should choose a CD with a term that ends before she expects to buy her car, so the money will be available when she needs it. Mutual funds and stocks can fluctuate in value, while an education account is intended for education expenses.

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