>however ideally I want to use that for a wedding and housing downpayment in 2-3 years.

I'd say that 2-3 years isn't a sufficient timeline to safely invest a house downpayment in the market. Over the long term 10+ years, you're almost certainly going to make money in the market by holding a broad-market index fund, but over 2-3 years, there is a decent enough chance that you could be down.