I’m a boring, safe investor. Personally, after building up a nice savings pad (probably a good bit more than a financial advisor would recommend–I have about 1.5-2 years of expenses saved), I sock everything else away in a low-cost, broad market ETF (like Vanguard’s Total Stock Market, ticker symbol: VTI), plus some bonds. I try to keep it at about an 80-20 stock:bond ratio. Every two weeks, I put a few hundred more into these investments (this is called “dollar cost averging.” You don’t try to time the markets, you just continually invest, and catch it on the highs and the lows.) I don’t believe in timing the markets. I don’t believe in short investments horizons. I don’t believe in reading the financial reports every day and getting stressed out about my holdings. As you get older, you should gradually shift more and more into bonds. If you’re looking at a 20-30 year investment horizon, this approach should average out to an annualized return of about 8-10% or so per year. Of course, past results are not indicative of future returns, yaddayaddayadda, but, with all the information available, I personally think this is the best low-risk strategy.