<prompt> Human: Renting right now, but my fiancé and I are going to start looking at houses within the next few months. There is not a lot within our budget in our area at the moment, so the plan is to see how the local housing market develops over the next year, and be prepared the rent for another year6months if needed. The money we have for a down payment is probably about 6040 invested in ETFs majority Vanguard total stock market with some small capemerging marketstech mixed in vs. cash. When is an appropriate time to move this invested money to cash and preserve our gains? 1 year out? 6 months out? 2 weeks out?  <response>: I would start moving it out ASAP. If anything would be subject to STCG, leave it in until you can get LTCG on it. 