<prompt> Human: Hi Reddit, Ive had 3,500 sitting in my bank account for a while now and I was wondering if there is a good way to invest it? I am a college student but my tuition is cheap and I dont need to pay off loans. I was thinking about a mutual fund, is this smart? Also if I do buy a mutual fund is there a good time to do it? Thanks!  <response>: If thats the only money in your bank account, you should probably keep it there in case of emergencies. 