<prompt> Human: I started building a long term emergency fund besides having short term one in my savings. The bank pays 1.11 APR and if I need the money, I can withdraw anytime. My down payment fund is on online savings, which makes 1.40 APR and part of my paycheck goes there automatically. I have WiseBanyan where I deposit 200 monthly and it is returning 3.60 and growing. Apparently, the majority of my funds are on no-risk online savings. I want to buy a house in less than a year, hopefully I will qualify for the government program. Where else do you save your down payment fund and long term savings? My goal is to never touch the long term savings while building the down payment fund separately. Any advice?  <response>: The downpayment should go in the online savings Long term savings like for retirement? Max your tax advantaged accounts 