<prompt> Human: My wife and I are planning on buying a house 180k budget in January of 2019. We currently have 95,000 saved in cash. We save around 6k a month so we should have enough by our date goal. Right now it is all going into a low interest savings account 1 interest I believe so its losing value. What is the best short term 12 mo place to park this money with the lowest possible loss of value? Thanks!  <response>: I was looking for a house for a year. I finally decided to put the 80k in an index fund. I found the house the next month. I absolutely had to pull out the 80k and the market was down. I lost 5k for no reason. If I could have waited 2 weeks, Id have had my money back. A 12 month time period isnt worth it IMO. 