"But I have been investing for 20 years and would like a slightly better return then today’s rates give.”

You have been investing for 20 years and actually write a newspaper columnist for advice on how to park $150K for the next 3 - 6 months that you will need to fund a property purchase?

I would question how much experience the past 20 years have provided if high interest savings accounts are the only option you can think of or if you think you are going to generate a materially higher rate of return while providing the level of protection desired.