The question is how soon before you buy a house... You need to save $20k more for the down payment. If you are looking at LESS than one year, not a big deal either way. Even if you make 10% in that time, it's $2k or about 1 months savings at that pace. Kind of the same if you end up down a couple of percent.
If you are looking at more like 2 years, get it invested now and keep investing. Too much uncertainty to sit and wait. What happens if interest rates go up in the meantime? What if prices go up and the house you want now needs a $50k down payment? The farther out you look, the more uncertainty.. other than investing will get you a return on your money.
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