Are there any investment plans I can do that will not allow me to take my money out for 20 years?

I don't want to have the option to take the money out, just to switch the money around in to different funds. Basically something like how some investment plans take 10% if you withdraw early. I would like it to take 100% if I withdraw early. I would imagine there's a higher rate of return on something like this too. I don't want the option to take this money until my gets out of college. Any info would be great. Thanks

I'm assuming that you don't trust yourself. A better way to do this is to set up a trust for your funds that requires a signature from a trusted person that manages money better than you. this will prevent you from withdrawing the funds before consulting the other person on the trust.

You should see an estate planner or financial advisor about this. It's well worth the small fee for them to show you exactly what to do.

A Roth IRA might be best, but that's a retirement account even tho you can access the money - you'll just have to pay taxes on earnings if you withdraw $. Certainly a basic mutual fund you can access by selling part of your shares. Really basic ideas would be savings accounts and even interest earning checking accounts like Citi, EverBank and ING have available. And you can switch investments around in an IRA. If you want to lock money up and not be able to get to it at all, consider a joint account with a parent so BOTH of you have to approve withdrawing $.