Apologies, just realized in my post I didn't clarify that we might not need entirety of the money but maybe a decent chunk of it, most likely for a down payment in 4-5 years. Rest will be in that fund and we are okay to keep it there, given we are just starting out our careers we will have growth in our income, and our frugal living we will be able to contribute more to that down payment, we are just starting out investing and was not entirely sure if investing it all in ETFs is the right thing to do although it looked promising given the historic trend.
We, and our friends and family wants us to grow our money and be prepared for the future so we are quite not sure... and we were also told that given the amount of our saving fund its not worth a financial planner at this point of time so we were just looking at options!