<prompt> Human: I have 3,000 dollars just sitting there not doing anything and its been at least a year and Ive done nothing with it. So currently in your opinion what should I invest in?  <response>: Well you cant browse Scottrades funds without an account, so I cant pick an exact one for you, but I recommend a mutual fund meeting these characteristics: No transaction fee No load Gross Expense Ratio below 0.20 Attempts to track a stock index. Youll know because it will say something like The investment seeks to provide investment results that correspond to the total return of a broad range of United States stocks. on the Summary page. 