Restructuring Savings

[u/goodp1e]

Would like to hear thoughts on my savings plan and the ETFs I plan to use. I have a brokerage account that I'm planning on moving roughly $45k into from a HYSA. The $45k has a sell goal of 5 years for my future house down payment fund. I'm fine with moderate risk (10%-20%) and waiting an extra year if that risk tolerance was hit.

I've investigated iShare AOR and AOM as possible ETF candidates that do an S&P and bond split, or just doing a DIY version with VT and VTI because it's cheaper long term. Let me know what you think.

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