<prompt> Human: Im saving up for a down payment on a house and should have enough sometime next summer. However, I feel a bit silly keeping a large amount of cash in my savings account instead of investing it. The stock market is at all time highs right now and Im worried that if I put what Im saving in an SP index fund the market will turn around on me. Is there something else that is liquid that I could invest in which will net me a guaranteed 2?  <response>: Putting money youll need in a year into the stock market is a bad idea. Stocks are volatile and the market might crash when you need the money. Id recommend you instead put that money in a Certificate of Deposit. 