<prompt> Human: I want to buy a house in the 400-500k range within the next 4 years. Mint.com advised me to put a down payment of 80k on said home. Where would be the best place be to store my money as I climb up to 80k? Should I put it in savings? Or should I put it in something which produces dividends like an index? Side note: I dont need to have a down payment at all because I am eligible for a VA loan. I only want to put down a down payment to lower the interest rate.  <response>: High yield savings account 1; Ally or a short term CD of less than 4 years. Do not invest in the market for money you know you will need in the short term, even 100 bonds. 