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REDDIT

Where to move money for a house purchase that has been delayed.

R
Jun 10, 2026 · 22:36

I've been saving for a down payment on a house but now it does not seem it will happen for at least another 3-4 years.

I have all that money in TFLO (Treasury Floating Rate Bond ETF) but I know I'm loosing money because of inflation.
I've look at TIP and STIP but I already got burned when the Feds increased interest rates.
Also, I've looked at FDHY and it seems like a good choice but it does have some volatility and if I need the money and it drops, I'm screwed.
Any type or category of investments I should look at?

Thank you!

I'm in the 22%-24% bracket and have 7% state tax (that's why I use TFLO and USFR for emergency fund).