[Moneyguy1]

Look into mutual funds. I use T.Rowe Price. They have an excellent selection from high to low risk, and some good bond funds. I figure they pay the fund managers bigbucks and they know more than I do about when to buy and when to sell. Also, they have no load on their funds. Think about joining the American Association of Individual Investors and attending their meetings. There is a branch in nearly every big City.

Bonds have been flying high because of the low interest rates, but if rates go up, the bond market may suffer. Be careful, read a lot, track some of the mutual funds for a while, then make up your mind.