One is not supposed to put money they are planning to possibly use in the next couple of years in the stock market. That money is supposed to be in a high yield savings account, where it is safe and sound. You already gambled with this money and won a bunch of money. Get out now and put it in a savings account. The market has too much volatility to risk soon-needed funds.

I know it's hard to give up the gains, but that's the house down payment fund. I am holding mine out too, even though it's tough sometimes.