<prompt> Human: So just as a warning this is literally my first Reddit post ever. I am extremely interested in business and Im currently in my second year at University getting my Bachelors in Finance. I made about 5k this last summer and I truly believe that if I want to get ahead in life, the time to start investing is now. I know this sub really promotes Vanguard Index Funds, I think theyre a great idea too! However, I cant help but notice that AAPl stock is down right now and I only see it going back up. I know that its not smart to try and play the market but if I were to buy about 2k worth of Apple stocks right now and hold them for about 9 months or longer would that be an absoluetely terrible idea? I plan on buying some index funds next summer once my income starts flowing again because theyre safe and I want to diversify my portfolio. My second part of this question is this: If I were to buy 2k worth of Apple stocks which online program would you guys recommend for a beginner trader. I was looking at E-Trade because its proven, but I also know theres plenty of other good options as well. I dont plan on trading pretty much at all in the next 9 months unless I decide to buy more stocks when I work over holiday breaks. I hear some sites charge for having no activity on your account and I really would like to dodge that bullet somehow. I know this is quite a question but from what Ive seen in this community I know there are plenty of educated and helpful people here who I think can guide me to making a smart choice. Thanks so much PF!  <response>: How would you feel if you bought 2k worth of Apple stock and then the stock price didnt go up? What if it went down and you lost 100 or 200?I highly recommend you keep your 5k in the bank. Youll need some cash when you graduate if you relocate for a new job. 