<prompt> Human: At the moment I go to school and work part time, make about 20k annually with the part time job.10k in chequing account for expense rent, food etcNo debt, no loan, just have 100k in the bank with 0.5 rateI talked to my bank and they suggested mutual funding 50k that has average of 3.6 2008-2016 that can lose money, and locking the other 50k for 3 years with up to 7 fund that cant lose money.Not really planning on spending any of the 100k in next couple years, only reason to touch would be for my own business, but not decided plan on that.What is the best way to invest 100k right now? I have 0 knowledge on investment.  <response>: This series of Bogleheads videos are a great introduction to investing. Be wary of the fees charged for the suggested mutual account just saw ubillthecatt mentioned this already, and understand whether it is a managed or passive fund. Be sure to keep a solid emergency fund, which it looks like you have in your checking. The bank was probably suggesting a CD for that 50k. Once you use the video and FAQ to help you get introduced to investing, the amounts are up to you based on your risk tolerance and time horizon. I recommend avoiding any kind of market investing unless your timeline is at least 5-10 years out. Many on here suggest Vanguard index funds, which I use and have been very happy with. Looking into lazy portfolios can also be a helpful next step in determining how to allocate the amount that you plan to invest. It could also be a good time to look into a Roth IRA retirement account as a part of your investing. edited to add some more details 