<prompt> Human: Hi guys,I have set aside about 3-4 months of emergency fund in my savings account, but I was wondering if it would be a bad idea for me to invest more of this into a vanguard mutual fund which is doing really well right now such as international growth. Its rate last year was something like 30 which is a lot better than the 1 on stuff like Ally. Would it be a bad idea to invest if I had to sell them later this year for a house purchase? I feel like my gains would be greater than the savings account, but I am unsure of the taxes etc of doing something like this.Thanks!  <response>: Past performance is not indicative of future results.Doing this 12 months ago would have been good. Doing this in July 2007 or Oct of 1999, would have been really bad.Taking short term risks in the market with earmarked money is recipe for a disaster. 