<prompt> Human: I want to start saving up for a healthy deposit for a house, which Ive estimated will take 3-4 years. Whats everyones recommendations on putting that into a bunch of Vanguard ETFs, or a HISA 3.5? Is it worthwhile to invest for such a short term outlook?  <response>: Keep it in an FDIC-insured savings account. Money you know you will need in the short term should not be exposed to larger market risk. 