All of the following are good ways to save money short term except?

A mutual fund is typically not considered a short-term savings option because it is primarily designed for long-term investment growth. Mutual funds pool money from many investors to purchase a diversified portfolio of stocks, bonds, or other securities. While they can potentially offer higher returns than traditional savings vehicles, they also come with risks of market fluctuations and are not guaranteed to retain value over short periods. This makes them less suitable for individuals looking to save money securely in the short term when the priority is often to avoid risks associated with market volatility.

In contrast, options like money markets, certificates of deposit (CDs), and savings accounts are specifically tailored for short-term savings because they generally provide stability and liquidity. They tend to offer lower risk and ensure that money is readily available when needed, making them more appropriate for short-term financial goals.