Let’s say you plan to buy a house in 12-18 months. You have the money for a down payment, but it’s in the market right now (combo of ETFs and individual stocks). 

Do you:
(1) Keep the money in the market but in a more conservative portfolio 
(2) Put the money in a savings account and sit on it
(3) Something else

Conservative ETF and then a high yield savings closer to when you make your move
You can get 3.5%-4.5% apparently
https://www.forbes.com/advisor/banking/savings/best-high-yield-savings-accounts/