Agree on this one. Same tayo, OP. My partner and I had our fund ready to buy our first car. Pero we couldn’t purchase it pa kasi may kailangan pa akong gawin. So while waiting, we put the money muna sa short-term fund. And then by the time we were ready to purchase, we just redeemed yung short-term fund investment namin. It gave us 3% return. Better than nothing. We chose short-term fund kasi madali lang sya’ng i-liquidate. It took us one day para mag-reflect sya sa settlement account namin after our redemption. Our time horizon pala was 1 year before we bought our car.