ETF vs savings for a house deposit

House deposits are often fixed-date goals. Savings is safer short term; investing may be okay only with flexibility and time.

Start with your timeline

If you want to buy in 1–3 years, savings is often safer. If you can wait 5+ years, you may consider investing a portion.

Is an ETF always better than savings?

No. Savings is often safer for short timelines and emergency funds. ETFs may be reasonable for long horizons.

What timeline suits ETFs?

Many people prefer 5+ years, but it depends on volatility and your flexibility.

How do I compare properly?

Use the same contributions and timeline in the ETF vs Savings calculator and compare outcomes.

Does this include tax/fees?

No. Treat results as estimates and use conservative assumptions.

What’s the simplest next step?

Run a conservative savings scenario and a conservative ETF scenario, then compare.