<prompt> Human: Hey there - Long time lurker first time poster. My wife and I bought our first house yesterday! Were really excited and cant wait to move in. Its a great house in Toronto with a very big backyard. Weve got the necessary 20 for the downpayment but Im trying to figure out what is the best way to maximize our funds until we have to close on Dec. 13. Heres the details: Cost of house: 542,000 20 To avoid CMHC: 108,400 Deposit paid: 20,000 Total downpayment to cover: 88,400Remaining funds: Mutual fund account via advisor: 28,950 My RRSP: 12,000 Wife RRSP: 4,200 two accounts Gift from parents: 55,000 Extra funds less last rent, etc: 4,000 any savings Total: 104,000 We currently have 55,000 in two separate savings accounts, RRSPs, and mutual funds with an advisor. The advisor has said that she doesnt think its a good idea to put the 55,000 into the mutual funds given the risk of a downturn or, in her words, a black swan event which, given the likelihood, baffled the heck out of me - Im pretty sure Im doing a better job of managing our investments than she is. I dont think we qualify for any extra Home Buyers Plan contributions given that we havent put the funds for the 90 day minimum. Our savings accounts will net us an extra 100 or something insignificant, but I think we can do better. Is there any way to maximize the 55,000 over the next 45-50 days - even an extra 1,000 will be helpful. Or, does anyone here have any advice on how to properly maximize our entire financial picture in time for the close? Note: We have to pay 8,155 in land transfer tax and between 1,000-3,000 in lawyers fees. Thanks!  <response>: Best? Savings account or safety deposit box.You under no circumstance should attempt any investment. This money needs to be liquid and if you lose any of the money at all, you run the risk of losing your loan.Your time for maximizing was before you bought a house.EDIT: Your post wasnt terribly clear as to whether this 55k will be used for the downpayment or is separate from the home purchase. That of course makes a different. 