Should you be investing? The lowest risk and decent return may be to pay a mortgage (assuming you still have one).
If cash is burning a hole in your pocket, do you have the time and inclination to research. More than that how do you plan to beat investment professionals doing it day in day out? With access to the same information? The honest answer is that you can't, you are not special but are the same as everyone else. So why not stick to an index fund where the SGHs of this world can't hurt you much.
Markets are overvalued at best indicating low future returns for investments made now (at worst sustained losses). There's a property bubble set to implode at some point, like all the bubbles before it. One option would be to dollar cost average into an equal weighted index fund over many many years. http://www.etfwatch.com.au/blog/weighing-up-equal-weight-etfs
There's no way to easy riches though and when it's being promised to you look around to see who is cleaning out your pockets. When people try to invest off their own bat without training and experience (and even with as well) it generally ends in tears.
As we are all far too aware after experiences like SGH.
SGH Price at posting:
3.8¢ Sentiment: None Disclosure: Not Held
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