<prompt> Human: I have around 20k that I wish to grow to around 35k for a house downpayment. Im going to contribute to it monthly but Im wondering if I should pursue investing it in ETF index funds SP 500, etc. instead of just letting it sit in the bank with a low interest rate 0.01. I already experimented with a smaller bucket of money 3000 and currently have fairly good returns 300 in unrealized gains and would like to replicate to some level a 6-10 annual increase from investing in equities 80 and bonds 20.Brief snapshot of my financial situation according to the flowchart posted in other threads.Most of my interest-bearing debt will be paid off within the next month or so, and my non-interest 0 debt is budgeted in. I have an emergency savings built up that covers around 1.5 months of current expenses. The money in the down payment fund is something I dont plan on using for any other purpose.The timeframe that my wife and I were looking to use the down-payment money would be next year, so we both plan on aggressively saving and hustling money into the fund. If I choose to invest it I would likely follow a similar pattern of 80 equities and 20 bonds in a DRIP portfolio until we need to pull it out.Is this a good idea, or should I just keep the down-payment fund in a bank account?Edit: I know 75 returns in one year is unrealistic and it may take longer to get there, which is ok. This would also be our first home were renting right now and rent prices are going up.  <response>: Thanks everyone for responding. Ill switch over to a high yield savings and budget around 550 month to the down payment fund. At this rate, plus interest, I should get to the goal in around 2.5 to 3 years. 