<prompt> Human: Currently I have 22k in the bank. By this time next year I plan on having that amount swell to about 60k which will be pretty much entirely used for a down payment on a house that I buy at that time Most of the houses I am interested in are in the 250k-300k range. I already make max contributions to my Roth IRA and my 401k. Where should I put this money in the meantime? A money market fund? It would SUCK for me to lose 40 in a huge downswing on this, and so Im quite certain that I dont want this money in particular in the stock market. Note: Im fine losing a huge percentage of my roth401k because I dont plan on touching those for a very long time.  <response>: A money market fund, unlike a money market account, isnt FDIC insured. Id put it into a CD or the highest yielding savings account you can find including money market account. 