<prompt> Human: Hi PF,Looking to buy my first house in 2 years. We will be saving about 130,000 during this time frame and it seems unwise to leave it in a bank account. The best I can find is an Ally savings account at 1 and CDs dont seem much better. Im nervous to invest it since the market could go down and fees may eat any substantial gains.Any advice or is the Ally savings account my best option?  <response>: Since you know youre going to want that money in a relatively short amount of time, you want something extremely low risk, so... Ally is probably your best bet. 