<prompt> Human: I recently inherited some money and am looking for a relatively safe investment for around 15k rather than have it sit in my savings account for years. I looked into CDs and interest rate is nothing to get excited about, online checking accounts match the measly 1 average. I have almost no credit card debt, rent an apartment, and a 7 thousand dollar car loan with 6.39 interest. My first step was going to be pay 4 thousand on the car loan since it is still under a year old to get the interest down and allow the account to age on my credit report for awhile before paying it off. I started playing with Robinhood about 2 years ago and have about 5 thousand in the stock market:10 shares aapl10 Shares Dis15 Shares GM14 Shares T10 Shares Jblu15 Shares UAA8 Shares Gild40 Shares OPK The first four holding have made me decent money however, the last four are all in the red. Should i average my price down or look into new companies? I like companies that pay decent dividends and am looking at GE or JNJ. GOOGL also looks good to me although no dividend. Again my risk level i would say is moderate. I would appreciate any ideas on my next steps. thank you  <response>: Should i average my price down or look into new companies? I like companies that pay decent dividends and am looking at GE or JNJ. GOOGL also looks good to me although no dividend.What I would do in your position is sell them all and put the money in a stock index. If you like dividends, try VHDYX 2.85 in 2016.If you want to increase your credit score and can be responsible, I would recommend a credit card instead of a car loan. Since, you know, you have to pay interest on the car loan. 