<prompt> Human: I dont really need to have the money easily accessible right now so I was wondering whats the best option so that I can either not lose money from inflation or make money over time. As far as I know my options are stocks, IRA, or bonds and I was just wondering what my options are for each one and which is the best option. Sorry if this is asked often and thanksEdit: I dont have a job, just savings. Im about to go to college which I wont be paying for but I may need money for after college. I have a few thousand in savings right now.  <response>: You cannot do a IRA if you have no earned income AKA a job. Some of your money should be in a saving account for expense you might have in the short term, think 5 years. The rest you could put into a taxable brokerage account it you want. 