<prompt> Human: Savings accounts seem to have a horrible return, stocks come in multiple flavors ranging from risky to long holds, and I have dont know where to put my savings. In an emergency, Id like to access it, but I plan to keepgrow it for a long time. What do I do?  <response>: Please read the FAQ particularly the Long-Term Investing Start-Up Kit and I Have X ... What Do I Do With It?! 