Invest Down Payments?

[Eric H.]

I am saving up for my next property and I hate having money sit in a savings or money market account so am thinking I would invest it as I save. I was thinking of going with a "permanent portfolio" which is:

25% Stocks

25% Long Term Bonds

25% Short Term Bonds

25% Gold

The premise of this portfolio is that whatever economic cycle you are in you have assets that are negatively correlated so when one asset or assets are crashing there is another or others that are doing well.

What does everyone else do with their down payments as they save? Thoughts on utilizing the above vs just using savings or money market?