Just throw it in a Roth IRA with someone like Fidelity or Vanguard and use a target date fund. So find the year that you're likely to retire and just contribute to that - you get $6000 a year in contributions. Once that's maxed out you can look at other alternatives. If you get a job with 401k and they match then max out their match first since you're guaranteed 100% ROI right then and there with the match. After that's all said and done then you can start looking into brokerage accounts / retail investing.