<prompt> Human: I have a substantial amount of money that is just sitting in my account 85k. I want to invest, or at least have it get a better return than what i am getting now, but want to do so safely, as in not willing to risk losing a dime. I plan to use this as a downpayment on a house within the next 5 years. From what I can tell, a money market savings account seems pretty safe, and gives a pretty good return. Are there any downsides to this? Is there something betterI should be doing? Any input is greatly appreciated.  <response>: Get a 1 savings account, or shop around for some longer term CDs 