as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
what are the options for a 19-year-old college student who only has about $1000?
user
put them in cds.  better than a savings account, you won't lose capital unlike the stock market.
assistant