[turbo6bar]

re: cash flow and debts. Having no debt is a true luxury if the cash flow is adequate. Many individuals are wrapped in an ever growing snowball. You work hard to buy the toys, and as you work harder, you need/want more toys. There is always a drive to acquire more. Well, what if you moderate your toy acquisition and decrease your work load? Doesn't everyone (tabs excluded) want more free time to enjoy life?

I thought investing in mutual funds was a great long-term investment. I started in 1986 with $200/month regular contribution. Well, after this bear market, I am left with only slightly more than the amount I have been contributing. On top of that, I was hit with capital gains taxes as the mutual fund managers did lots of trading.

There is no perfect/ideal form of investing. The variables are too numerous. Investors do not share the same risk tolerance.

Arvin, do you need income from this investment, or are you looking purely for growth? Are you willing to spend time managing the investment, or are you looking for fire-and-forget? Geez, so many questions.
good luck, Jurgen