<prompt> Human: When saving up for a down payment on a home, what are some good instruments to keep those funds in? Money markets, standard savings, and CDs are brought up a lot. Are these really the only vehicles we have? Or is it worth considering putting money into a bond fund or some other fixed income security?Thoughts?  <response>: It depends a lot on your time horizon. If you plan to purchase within the next 2-3 years, youre probably best off with a Money Market or High Yield Savings account. For a 3-5 year horizon you probably want to look at I-Bonds, bond funds, and similar low-risk investments. If your time horizon is on the order of 10 years, you probably want to look into investing in the stock market broad based ETFs would be a good start. 