<prompt> Human: For graduation, my mother, whos gone above and beyond my whole life to be the best mom possible, gave me 2018 for college graduation this year -- I cant accept it. I considered simply not cashing it or giving it back, but my mind is now set on investing it and returning it to her upon her retirement.What would any of you do if you wanted to return a considerably larger sum in 10 years? This is obviously too short of a time frame for a typical retirement account Im not even sure I could make one under her name in secrecy, and putting it under my name would incur an early withdrawal fee, so as of right now Im leaning towards a stockbond portfolio -- the majority being stocks.Thoughts?  <response>: Take her on a nice vacation with the money 