I'd invest in a way that didn't consume thousands of hours worth of my time. I'd do what Mark Cuban recommended people like those found on HN (young entreprene

I'd invest in a way that didn't consume thousands of hours worth of my time. I'd do what Mark Cuban recommended people like those found on HN (young entrepreneurs who want to launch a start-up) do: 6 month term back CD's: http://blogmaverick.com/2010/08/20/the-stock-market-is-still-for-suckers-and-why-you-should-put-your-money-in-the-bank/ http://blogmaverick.com/2010/08/20/the-stock-market-is-still... When I was in my early 20's the president of a start-up I was working for (whom was a former professional stock trader) essentially gave me the same great advice Mark Cuban gave everyone. He told me to not focus on investing in the stock market because the amount of time I'd need to invest to do well would never yield as good of a return as I could get from investing that time instead on my computing and start-up related skills. He advised me to stick to what I was good at (computers) rather than trying to take on essentially a second job and build a second career in trading. Looking back, I'm 100% sure he was absolutely right. In the last ten years, I've spent thousands and thousands of hours reading books on the investing, reading financial news, watching Bloomberg and CNBC programs, doing research on companies, developing and testing trading strategies, doing simulated trading, and trading. From all that time investment, my return was probably -5%. It was almost flat. That isn't bad considering that the markets have been so bad over the last 10 years. In fact, it's pretty good. But, had I spent all those thousands of hours on start-ups I probably would have had at least one big success by now. I also would have been a lot less stressed and lived a lot happier life. I vividly remember the sick feelings I got during the crashes and upon watching the fallout from unforeseeable things like the bail-outs and the oil super spike. Even if I didn't do bank CD's, I could have just bought index funds and done better with out all the work and wasted time. I think CD's are the way to go. If you really want stocks, it's index funds. I almost got involved in the real estate market and other types of investments. I'm glad I didn't. Again, it would have taken a huge amount of time investment to compete with other involved professional investors. And, looking back now, I can almost say for sure I would have come out essentially flat if I made very good decisions and with heavy losses if didn't.