hey, I'll be starting university this september and also will be doing some part-time job. I don't have to worry abt tuition fees etc cuz my parents will help, so I'm really interested in investing that extra money I'll be earning. But I don't know where I'd invest, I read few articles with interest rates like 10%, but banks here only give you like 3 or 4% at most, which when u consider inflation also is nothing. There's stock market, mutual funds, bonds, I dont know anything about them but generally what is the best place to invest if ur starting off. Where can u get those 10% return rates but still have ur investment risk free ?