<prompt> Human: Im interested in buying a house in 3-4 years. Id like to get the most out of my money, and I believe there are a lot of better things to do than just to leave it in my bank account.Im currently putting the money into Acorns, an iPhone app which invests my money in Vanguard index funds. Is this the best route to go considering that Ill be withdrawing all of the money within 3-4 years? Would it be bettersafer to just leave the saved money in my bank account considering that some say the market will be going down soon?  <response>: What Yahooyellow says is 100 right.The markets can swing HARD over a 3 year period. Over 35 years weve seen it generally go up over time, but it has ups and downs. You dont want to lose 10 of your savings when youre hoping to make your down payment! 