<prompt> Human: My wife and I are planning to buy our first house in a little less than two years August of 2016. Our goal is to have 60K saved up by then for a down payment. Currently, we have 30K set apart for the down payment. We do not plan to touch this money until we buy the house. It currently is just sitting in our bank savings account. Is there anything more productive that our money could be doing while still being available to us when the time comes to buy?  <response>: CD with a higher yield. Dont put it in any investment that can lose money. 