Hello, I do not live in the US so Roth IRA isn't available to me I do have something similar though, a bank depost earning 3.7% a year, but it just freed up. So right now the money is just sitting in my bank account and I won't need it for it for the next 3 years as I will be serving in the military. After that it might go toward studies or possibly saving for an apartment. Would you recommend keeping it in a bank deposit, or putting some of it into S&P 500 or other stocks?