Korina receives 12000 as a high school graduation gift. She would like to save the money for a down payment on a new house after she graduates from college. Which option would earn her the most money?

To maximize her savings for a down payment on a new house, Korina should consider investing the $12,000 in a high-yield savings account, a certificate of deposit (CD), or a diversified investment portfolio that includes stocks or mutual funds, depending on her risk tolerance and time horizon. Generally, stocks or a balanced investment portfolio have the potential for higher returns over a multi-year period compared to traditional savings accounts or CDs. If she prioritizes safety over higher returns and plans to use the money in the short term, a high-yield savings account may be the best option. However, for long-term growth, investing in stocks is likely to yield the most money.