So I have roughly 20k I want to invest. I want atleast half of the money to be somewhat liquid atleast for the next year or so. My financial advisor who I just recently started working with suggested opening cd accounts and splitting the money between my PCOXX money market I have open, and a mix of CDs. I understand the pros and cons of each account and I value his opinion, however this is a new relationship and I would like some outside input. In my mind, the returns on both cds and money market are pretty similar, and Me opening a new account for cds would mean fees associated with it. I’m inclined to think the possible better return from cds would be negated by the fees as opposed to me just putting in all in the money market. And getting a slightly lower, fluctuating rate. What are your thoughts? I do also have both a 401k and ira open, as well as a managed stock market account and my own personal savings. So I’m not putting all my eggs in this one basket. I appreciate any advice! Thanks