In sg context there is not a lot of options for you. The first 25k you need it soon put in a 1 year FD is definitely the way to go.

For the remaining 75k my only advice is to split them into 4-5 portions buying a combination of stat board, government or AAA blue chip company bonds expiring in 2018-2019 time frame.

But with the current super low interest environment, don't expct too much. The yield to maturity of these bonds are all <3% now also.

Do not buy strange things like FX deposit, structured products, unit trust or stocks as these are unpredictable and might be bad timing when you need it. Also avoid products by insurance agents as these usually incur huge termination cost if you need to take out earlier.