If you put away $3k/mo it still will be 3-5 years until you get your down payment nest egg. So you are in that area where equities sometimes work and sometimes don't. If it were me, I think I would keep half of the investment in short term deposits like HYSAs, MM (think VMFXX), CDs or short Treasuries and the other half in some type of low beta ETF. Think SCHD or JEPI. Take a look at r/dividends and read some of their ideas.