OP:
Agree with others, Safety = CD, MM.
If you want higher rates, more risk.
I just purchased a 7yr. 4% CD, with Pentagon Federal Credit Union, today.
Two years ago, I purchased 7yr and 5 yr CD's at 6 1/4 %
No one has a "crystal ball", most of the time the experts are wrong.
Sometimes, earning a lower rate, while waiting for rates to rise, is a loser's game.....
I have an informal "ladder", of CD's. But I will break the rule, if I think I can get a good CD rate, ie. 6% or greater, and lock in a longer term.