You can easily just hold your money or if you can't find out anything to invest in so I think you should deposit your money into bank to get monthly interest. LOL. Beside you really have smerit to give to other member? LOL. You need to receive at least 2 Merit to get 1 smerit dude. LOL. There is no way that you can give merit to others at the moment 
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).I apologize a little bit less understood with your words? what do you mean ? do you prefer to keep it in the bank or how? else you talk about merit and smerit, what exactly are you talking about?