<prompt> Human: My wife and I received a gift of 30k to go towards a down payment on our home. We were hoping to buy this year but did not find the right home and were heading into the part of the year where new listings are few and far between. What can we do with the 30k to make it appreciate until more homes start popping up in 3-4 months? Right now its in our savings account getting basically no interest. It also need to be relatively fluid because we could find a home at any point and will need to be able to get it out within a week or so. Were good to go on emergency funds and whatnot and neither of us has any debt so I believe were in a good position to invest for short term gain.  <response>: You dont.Investment horizons start at 5 years.The best you can do is a high yield savings account or a CD. Hardly worth the trouble for 30k and 3 months. 