As a general rule, if you will need some of the money within a year, should you invest it in ETFs or keep it in high yield savings accounts?

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I’d say HYSA, if it’s an absolute necessity to not have the capital fall drastically in less than a year. Or you could do CD, but they don’t much higher than HYSA so might as well keep it more liquid

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As a rule of thumb, you do not want to invest money you will need within a year because any downturn could take up to two years to fully right itself (come back to current valuations)

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Another “safer” alternative would be to invest in ETFs tracking bond indexes

Does it? I don’t think so, I might be wrong though

If you'll need some of it then put some in HYSA and invest the rest.

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