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Put it in gold! Gold is really hot right now!!!!!!11111oneone

Don't believe me????? Just looooooooooooookkkkkkkk!!!!!!!!!

I don't mean to be insulting, but if you have to ask, then you should probably keep your money in either an FDIC-insured bank account that allows you to withdraw the money at almost any time with no penalty (money market bank accounts, shorter-term CDs, savings accounts) or in a money market mutual fund (note: money market mutual funds are not the same as bank money market accounts) that charges no more than 0.4% a year in expenses.

A business is usually among the most risky investments you can make, and most are gone within the first five years. Don't invest in a business without first working in it for a few years.

United States Savings bonds are good because they're safe, tax deferred, and easy to redeem, although I-bonds (inflation protected Savings bonds) charge a 10% penalty during the first five years of ownership. Other bonds are subject to interest rate risk if sold before maturity, meaning their values change with changes in general interest rates (if rates rise, then existing bonds drop in value).

Funds come in several types, the most conservative being money market funds, the most aggressive (and dangerous) being sector funds, which invest in stocks in just one particular industry.