share my investment experience.
1. don't believe financial agent;
They want get the most commission from your money, so they only suggest the fund with the possible highest commsison. even they suggest the fund to make profit for you , that is not his effort, owing to the agrressive increasing stock market. that means any fund you buy, you also get profit.
2. as much as possible to buy no-load fund
you can serach all no-load fund for good profit, you can found the profit is not lower than load fund.
3. invest the moeny with different sector fund.
for example, 30% in bond, 30% in high income, 10% in metal, ..... depend on your financial tolerance. the more in fixed income, the less the extra money,.
4.the investment should be keep for a long periods. because the timing for your investment is very critical, only the long period can compromize your loss for timing.
5.should buy the house as much earlier as possible.
the land is impossble getting down, the longer you keep, the more profit you get.
6.of course you should get a permant job to stable your invest goal, otherwise you would get heart attack when the stock vibrate sharply.