Kept most of my money in 5% for a long time as downpayment, but unsuccessful getting house.

Kept most of my money in 5% for a long time as downpayment, but unsuccessful getting house. I've made a bit of a goof and a gaff, by keeping most (75%) of my money in money market in 5% money markets for more than a year, while I've been searching for housing, but that hasn't panned out and now I'm facing some regrets about missing out on these crazy market gains. But risk free 5% is not the worst, I understand. I still invest in 401k ...

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