I currently am saving for a downpayment, hopefully for an investment property or a 4 flat where it’s part investment part home. I have about $65k saved currently with hopes to bring it up to $125k for a 20% downpayment in the coming year or so. Judging by the market and rates and housing etc. The thing is, is I just have this savings in a savings account. If this were say 2017 I probably would have a chunk of it in ‘low risk’ index funds where it might grow more over the course of the next 5-12months than if I keep it in my savings. I’ve thought about doing this but I feel like the stock market seems much more risky these days and I’m more hesitant to put it there while I wait. What are your thoughts or things you guys have done while you saved for downpayment? Thanks! r/
Your concerns regarding the stock market and its potential risks are valid. Given your timeline of 5-12 months, it's often recommended to keep your funds in a liquid and low-risk account, such as a high-yield savings account or a money market account. Here are some options you might consider:

1. High-Yield Savings Account: These types of accounts offer a higher interest rate than regular savings accounts, providing a safe place for your money while still yielding some growth.

2. Money Market Account (MMA): This is also a low-risk account that typically offers a higher interest rate than a regular savings account. It's a good option if you're looking to earn a decent return without risking your capital.

3. Certificate of Deposit (CD): This is a time deposit offered by banks with a fixed term. It's safe, and usually offers a higher interest rate than a savings account, but you cannot access your money until the term ends without incurring a penalty.

4. Short-Term Bonds: If you're willing to take a bit more risk for potentially higher returns, consider short-term bond funds. These are relatively low-risk compared to stocks.

5. Consider a low-risk, conservative portfolio: If you're comfortable with a little more risk, you might consider investing a portion of your savings into a balanced fund or a conservative portfolio that includes a mix of bonds and equities. 

Remember, the stock market can be volatile, and there's always a risk of losing money in the short term. Given your short timeline, it might be wise to prioritize the preservation of your capital over aggressive growth. If you're uncertain, it can be beneficial to consult with a financial advisor for personalized advice.
### Human
I currently am saving for a downpayment, hopefully for an investment property or a 4 flat where it’s part investment part home. I have about $65k saved currently with hopes to bring it up to $125k for a 20% downpayment in the coming year or so. Judging by the market and rates and housing etc. The thing is, is I just have this savings in a savings account. If this were say 2017 I probably would have a chunk of it in ‘low risk’ index funds where it might grow more over the course of the next 5-12months than if I keep it in my savings. I’ve thought about doing this but I feel like the stock market seems much more risky these days and I’m more hesitant to put it there while I wait. What are your thoughts or things you guys have done while you saved for downpayment? Thanks! r/

### Assistant
Your concerns regarding the stock market and its potential risks are valid. Given your timeline of 5-12 months, it's often recommended to keep your funds in a liquid and low-risk account, such as a high-yield savings account or a money market account. Here are some options you might consider:

1. High-Yield Savings Account: These types of accounts offer a higher interest rate than regular savings accounts, providing a safe place for your money while still yielding some growth.

2. Money Market Account (MMA): This is also a low-risk account that typically offers a higher interest rate than a regular savings account. It's a good option if you're looking to earn a decent return without risking your capital.

3. Certificate of Deposit (CD): This is a time deposit offered by banks with a fixed term. It's safe, and usually offers a higher interest rate than a savings account, but you cannot access your money until the term ends without incurring a penalty.

4. Short-Term Bonds: If you're willing to take a bit more risk for potentially higher returns, consider short-term bond funds. These are relatively low-risk compared to stocks.

5. Consider a low-risk, conservative portfolio: If you're comfortable with a little more risk, you might consider investing a portion of your savings into a balanced fund or a conservative portfolio that includes a mix of bonds and equities. 

Remember, the stock market can be volatile, and there's always a risk of losing money in the short term. Given your short timeline, it might be wise to prioritize the preservation of your capital over aggressive growth. If you're uncertain, it can be beneficial to consult with a financial advisor for personalized advice.<eos_token>