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Message:: [QUOTE="yakpoo, post: 728389, member: 18157"]I like stocks...easy to buy, easy to sell. The key is to minimize risk and expense. There are a lot of well managed companies out there that are currently "on sale".  If you don't have the time (or desire) to do the research, then Dollar Cost Averaging (DCA) into an S&P Index fund may be the way to go. 12b-1 fees on index funds typically run less than 1% with a company such as Vanguard and you can set up any type of automated transfer method you desire. I like Dividend Reinvestment Plans (DRIPs...minimal expense) with large, well managed companies that have great free cashflow...such as telecom or cable companies. For instance... I recently added to my AT&T(T) DRIP. AT&T is a large, well managed telecom company with international exposure. It has a strong balance sheet, trades at 12 times forward earnings, and has a 6.4% yield. I just put my money in the DRIP and forget about it. It's difficult to discuss bonds in a forum such as this. Suffice it to say that the typical bond fund gets clobbered in a rising interest rate environment...which we will likely see in the not-too-distant future. Everything else you mentioned is a crap shoot. PMs may continue to rise, but I don't like the underlying fundamentals. I buy PMs via coins as a hobby; not an investment. They go up, they go down...but they don't pay a dividend.[/QUOTE]