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If you know you need it and can't risk it why would you want to do anything except the safest thing? $5000 isn't exactly a large amount for an investment that you don't want to lose. High yield is high risk. It's like you're asking for the winning lottery numbers. You want a sure thing that will pay off and I wish you luck. I'd put it somewhere I know I couldn't touch it but I have zero self control and I'd nickel and dime it away in less than a year