<prompt> Human: I would like to open some sort of account to start saving for my down payment. I plan to save for the next 4-5 years at about 500 a month. I have looked into your typical savings account and high interest online savings, not sure which would be better for me. I dont plan to ever make any withdrawals as I have emergency funds and such in other plans. I have very little overhead, and it should stay that way until Im ready to buy. What do you guys think my best option is. Should I consider any investment accounts?  <response>: Over 4-5 years, your balance will be determined by your contributions, not your earnings, so you probably want to keep your principal secure in a savings account at the highest interest you can find. 