<prompt> Human: Hello! I am looking to invest 20k to buy a house in a couple years. I am assuming the best place would be a Roth IRA at Vanguard? What type of Roth IRA should I be looking at there? Something with a little more risk but higher reward? I am 24, no debt. I contribute up to what my employer matches for my 401k at work.Thanks!  <response>: Since you need it in 2 years, you probably dont want much, if any, in the stock market. I would continue to simply keep it in savings and add to it, using it for a downpayment.You might want to open a Roth IRA anyway...but the money should be earmarked for actual retirement. 