<prompt> Human: Hi PF! Looking to save for a 20 down payment on a property. Time frame for saving is about 2 years. Currently putting 10 income into 401k and an additional 5 into a Roth. Employer matches up to 6 on 401k. What are your thoughts on reducing contributions to the 401k down to the employer match and putting that money in an index fund or something lower risk while saving for the down payment?  <response>: Seems reasonable to me, but if your time frame is 2 years youre probably going to want to just keep it as cash in a savings account. 