Don't put your money at risk (swe: var din egen lyckas smed)

I'd say that the less you know about where you've placed your money the more at risk you are from getting affected by the downsides of investment, it doesn't matter how well-reputed the investment-company is, who you do your business with. You don't really know whats up, that's the truth (there probably are exceptions). It's then a smarter thing to invest in your friends than in a stock exchange firm, you know what the upside and down side of that person is. Or better yet why don't invest in your own clever business idea, then you control every single penny. I give this tip with a disclaimer, if your clever side isn't mathematical, then let someone else do the math. But as long as possible do your own math, or ask the experts, and ask several. Don't just chance on that a "secure" fund will do the trick. As shit happens if they can. And if you think that someone else will be more carefull with your money than you are, your probably wrong. They do it for a sport and a job (and they will probably won't get fired if the turnout isn't so great), you do it to create a future, and a life! You would be more carefull as an investor!

So rather put your money on safe foolproof stuff, or something that needs a little risk but mainly is so clever it probably would work anyway, and create something new in this world! don't follow the stream! Don't let some nice pants brockers invest your money on risky buisnuisses you don't know squat about. That kind of investments are for shejks with to mutch money for their own good, so theu don't have time to care exactly what happens with all their money.. Keep it instead, you could do create something great with it! For instance my friend sells webshops (webbbutiker.com) for 295 SEK (ca 30 euros) per month, and there probably is even cheaper providers, but he is quite cheap and a nice reliable guy (this might sound a add for him it's really not he's a friend i recomend)! Sell something no one else sell, your own-designed earings to your friends and their friends and advertise on facebook, and see what happens. Go crazy!

Create your own clever business! For instance wouldn't you agree that to sell water in Saharah (to the beduins) would be a safer bet than to buy stocks on NASDAQ or your own national stock exchange? I'd say so! Be your own fortunes smith ("din egen lyckas smed"), as the saying goes here in Sweden. It's a safer bet and then you'd add something unique to the world that someone hasn't seen before!? And that's probably priceless!

And btw do it envoirmentalfriendly, and ethical, cause that will help you in the long run! The key thing in investment is to learn by your mistakes and to get experience and go for the long run och things you know much about and believe strongly in! (and that's quite hard to do with funds, as the money are so spread out.. how do you valuate? How do You know you money is doing what it's supposed to do! You can't keep track on the things that affects the companies invested to in the fund.. )



PS. But if you do decide to invest in a fund after all (- perhaps you don't have the time or energy in other investments methods or starting your own company):

They say that safer funds will (probably) increase your money in the long run, so remember if you do invest money in funds you probably should go for the long run. Don't let every little bump scare you; for as long as you are going for in the long run the probability should get you there! And yeah, invest on the safe funds, as you aren't the one in control. Always base your choices of fund on their track-records that show their development over time, don't choose the ones with jerky curves, go for the stable ones (as You aren't the one in control, witch is my point if you hadn't noticed), they'd probably get you where you hope to go.