<prompt> Human: I am currently saving up to put a large down payment on a home in about 5 years 100k...as of now I am accumulating this all in a savings account but wanted some thoughts on where I should keep it or what you all have done in the past. Thanks for any advice.If this helps...Im fairly risk adverse.  <response>: Since you are fairly risk adverse, Id advise keeping it in an FDIC or NCUA ensured savings vehicle, i.e. a savings account or a CD. Savings accounts will probably pay 1. You might get close to 2 if you do a 3 year CD. 