How are you creating ultimate value in the short term with your money?

How are you creating ultimate value in the short term with your money? Getting into 2025, I'm really contemplating how I can continue to make my money work hard for me and generate the highest returns in the shorter term (1-2 years). I've been considering just opening CD's at my bank for an interest rate of around 4.1% for 14 months before it goes further down as the risk is minimal. I keep light funds on the side ...

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