AUSF
Global X Adaptive U.S. Factor ETF
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That goes into personal finance - if you know you're going to have a large payment coming up (say, a down payment) you're supposed to keep that part liquid. Personally I hate dollars, bonds, and t-bills, so I keep that portion of my portfolio in low(er) volatility ETFs such as DIVO, SCHD, FDL, AUSF. I'd personally rather maintain exposure to the market and accept that it's possible I'll take a loss. Lately though I've just been borrowing against my portfolio because I don't see a reason to sell. All major brokerages offer secured loans against your portfolio, with anywhere from 4.5% to 7% interest. No issue using those funds for a mortgage down payment.
AUSF is a somewhat interesting ETF imo and has done reasonably well in good times and bad (up this year, about flat in 2022.)
A mix of SGOV and < 1.0 beta but market exposed ETFs such as DIVO, FDL, and AUSF. Gives you market exposure but lower volatility and drawdowns than the market index. The portfolio weights only you can answer, how much market exposure can you stomach if we have a 30% market recession?