Agreed, you are not going to get a high return with a low risk, if that was possible we would all be rich. A CD is very safe but the return is minimal. No matter what you decide on, you will not see any huge changes anytime soon. If you have no debt and your a student I think this may be the time to start up your IRA. Its wont be liquid like your looking for, but its time to start planning for the future.
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