Final answer:
A certificate of deposit (CD) generally requires money to be locked in for a period of time and incurs a penalty for early withdrawals, which is not ideal for Ben and Divya's short-term needs. A savings account or money market account offers more flexibility and immediate access to funds, making them better options for a down payment on a house in the next two months.
Step-by-step explanation:
For Ben and Divya, who are planning to use their inheritance for a down payment on a house in the next two months, the best savings option should offer both flexibility and a decent return. A certificate of deposit (CD) may not be ideal in this case, as it typically requires that money be locked in for a set period of time, and early withdrawal can incur a substantial penalty. In comparison, a savings bond usually takes longer to mature, a money market account may offer lower interest rates but with more flexible access to funds, and a regular savings account would offer the most liquidity, with generally lower interest rates but without penalties for early withdrawal. Considering their short-term requirement, a savings account or a money market account would likely be the most suitable options, with the latter potentially providing a slightly higher rate of return.