If you manage to raise real returns by 1 percentage point above a high-interest savings account or an index fund, you're doing quite well. You've also earned a

If you manage to raise real returns by 1 percentage point above a high-interest savings account or an index fund, you're doing quite well. You've also earned a grand total of $80/year - how much money is that per hour worked? Assuming you have no debt (or only ridiculously cheap debt), invest in yourself or save it for a rainy day; the latter allows you to not borrow for or insure small consumer stuff like computers or washing machines, which will be far more lucrative than "investing".