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Message:: [QUOTE="FentonForche, post: 600105, member: 18064"]Annualized return means the percentage return extrapolated over time. It does not mean saving for one year. E.g. If you buy something for $100 and two years later, sell it for $121, your annualized return is 10%. ROI is a common financial abbreviation, it means "return on investment" An index fund is a mutual fund (or sometimes an exchange traded fund) that tracks a broader market index, like the Dow, the S&P 500, or the Russell 1000.  What most people will tell you here is this: 1. Don't buy coins for an investment. You'll have a better chance at profit by investing in regular investment vehicles--mutual funds, equities, bonds, etc. 2. Buy coins because you like them.  3. Buying bullion coins can be an investment IF you foresee inflation on the horizon. But even then, coin collecting as a vehicle to bullion acquisition probably isn't a good strategy because if you're buying coins for their precious metal content, you want to avoid purchasing them at the premium that's driven by their collector value.  Please don't take this as an insult, because it's not meant as such, but if you aren't aware of what an index fund is, but are potentially getting in to this hobby as an investment, you'd probably do best by buying a general investment primer and reading through that.[/QUOTE]