I'm 20 and have 20,000 to invest. What should I invest in?

Bernadette Roel: You should check out aid4families. They offer high returns. You can even choose the option where you receive your returns in monthly payments which can be used as extra income while you keep your savings. Check them out for yourself.

Alecia Kaehler: Gold. The way the economy is going money is worth less each day while gold is worth more.

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Emilie Santmyer: You should invest it in my bank account. Thats the best option.

Lorelei Lilburn: This would depend on your stress level. The lower the stress level the higher the gamble and profit. Opinion: GOLD or Natural Resource stocks or Mutual Funds. But do NOT forget to do your homework and Research - Research - Research.

Rolanda Merritt: Pay off any debt that you have FIRST! Then take the remainder and put into an Roth IRA. Keep adding the max allowed to the IRA each year and by the time your! 65, you'll be able to retire on your own.

Rana Rudell: 20 years old? Hookers and coke. No question.

Hilde Heskett: Wow! thankyou! Exactly what I was looking for. I tried looking for the answer on the internet but I couldn't find them.

Tereasa Sorensen: me

Benita Nancy: Call Ohio Natioal Life and talk to them about Mutual Funds. They will help you set up your Portfolio.

Tobie Oshea: Get CD accounts at your bank! Or put it in a Money Market account and let THEM worry about investing!

Elsie Resner: go to a financial advisor, they will probably set you up with a mutual fund

Amina Motzer: Call Smith Barney, get an advisor. He will set you up, mutual funds most likely is what they will suggest. Get started on regular contributions into a Roth IRA, because you can just sit back on this 20K, although it will grow huge for you as a lump sum. Take advantage of this unusual situation you have, of having a lump sum of money because most peo! ple don't ever get that opportunity, and don't get yourself in! to debt.

Jesse Japak: Do you already have a house?

Jacques Teri: Too bad you are getting so many mixed advice when you have a legitimate question. Let me give you my spin as a financial advisor. Obviously, I can't give you concrete advice without knowing more about you or your financial situation. That said, if this is really money you can afford to invest and not touch, I would recommend the following.If you qualify, first max out a Roth IRA for the year (4K). While you don't get a tax deduction for your contribution, the earnings are all taxfree if used for "qualified" purposes in the future.Keep a few months worth of expenses or at least 5 K in a yielding money market. Invest the rest in some quality well rounded mutual funds.If you want to go it on your own, Vanguard and Fidelity are great places to start for the IRA and retail investment accounts. Emigrant Direct has a great savings rate of 5.05% at the moment and would be great for your emergency fun! d.If you go to a good financial advisor, he/she can help you get started on the right path. How do you find a good one? Ask for a referral from family and friends. If you have any other questions, feel free to shoot me an email....Show more

Lon Pennington: First and most importantly is make sure you keep an emergency fund in something like a high yield online savings account. EmigrantDirect or INGDirect are two good examples. They pay anywhere from 4.5% to 5.05% interest which is great for a basic no risk savings account.As far as a first investment in the stock markets goes; I would visit Vanguard.com and study their ETF's (Exchange Traded Funds). Then I would pick about 4 different ETFs to invest in. I prefer ETFs over mutual funds and index funds....Show more

Hwa Waterford: This Site Might Help You.RE:I'm 20 and have 20,000 to invest. What should I invest in?I'm 20 years old and have 20,000 dollars to invest. I have read up on Mutual funds and stuff ! but I am pretty new to investing. What should I invest in?...Show more!

Dexter Dicostanzo: Don't invest in mutual Funds as most do not even beat the market. You're twenty years old so you definitely can afford to take on some more risk than a lousy bank account or some gold. You could trade in ETF's, Exchange Traded Funds. You need a broker, and it trades like a stock. There's ETF's for everything including gold, china, insurance companies, treasuries and more. It may be still to conservative for someone young but it will help you learn about the market before taking wild risks....Show more

Galen Gowers: Get a QUALITY financial adviser to help you. I would say buy at least four different types of growth mutual funds. Then let it grow.

Cuc Gire: If you want something more lucrative than the stock market let me know. I have companies looking for capital and they're pretty viable companies. FYI...I am a Financial Planner and have my money invested in at least one of the companies. The person who said that it's important to! look at the big picture of what your goals are is right though. If you can SPARE the $20,000..or even $10,000 (I mean do without for a bit of time) then please contact me. Not all deals are on my website as I have about 18 and it's growing daily!...Show more

Granville Stray: Try those stock markets, usually DOW is good, but maybe NASDAQ, go for it, half half.

Oda Mauson: Invest into the stock market... The best bet would be the Hang Seng Index (HSI). The bullish market of Hong Kong and China would surpass the US very soon. Investing it right now, and watch your money grow in a few years.