For sure to invest. But you must know something. The money are invested even in bank. You earn interest on your money and this is investment. Are low earnings but are earnings. This is the first thing. The second thing is that is not important where or when are invested the money but how much can be earned from those and, this is important, haw safe is this investment. The principal rule is: More earnings less safe in the investment. So everyone make its choice. There is people who want few and invest in banks. There are others that want much more and invest online (when the warranties are at the minimum). At everyone his choice.