Where should you stash your down payment savings? That's a very good question. You want to see it grow not stagnate in a bank account earning a dismal interest rate of less than 1%. But on the other hand you can't afford to lose your the stash you've so steadfastly saved. Is investing in stocks too risky? If all your eggs are in this one basket your dreams of home ownership could plummet right along with the market, should it crash.