re: Saving to start a business

With a 24-36 month timeframe, i wouldn’t touch the market. Of course, if you have a full appreciation of what a downturn could do to your principal and are willing to roll those dice, it’s an option that could pay off big..But personally, I wouldn’t do it.

I’d just shop online money market accounts and CD’s for the “best” rate going. Ally Bank has an 11 month No pelalty CD, currently paying 1.60% for balances above $25,000...You can take your money out anytime, without penalty 6 days after opening it.
Also available with lower balances at lower rates. Good luck!