I have some money I would like to invest in something. I was thinking about Mutual Funds, but I don't know any

thing in Mutual Funds. How risky it is to invest in Mutual Funds? What are the advantages? Just want to hear from real people.

I would recommend people-to-people lending. It's a relatively new concept that can enable a substantial return on investment if you properly identify risk factors. ROI can easily be maintained around 10%, with little to no correlation to the stock market. Follow the links below to see for yourself, and get more information. Basically you loan money to people like a bank does. Not convinced? Banks and underwriters are in business because they make money from loans, and lots of it, and these are some of the wealthiest people in the world.

As a lender, it works kind of like e-bay. You identify listings (borrowers), and view their financial information. You see their credit score, income, current debt load, etc., and use this information to decide if you want to bid on the loan. When bidding, you simply enter the lowest possible interest rate your willing to give to that individual and bidding proceeds until the loan is fully funded (or not). Loans are always over a 3 year period, and they provide all of the loan servicing and collection services having that cost built into the borrower鈥檚 service fee.

The nice thing about it is you can perform detailed historical analysis of all loans serviced through the system, using factors such as credit grade, employment history and income, along with other information that a bank uses when you get a conventional loan. This allows you to identify only the best loans, and see the expected ROI associated with only the criteria you are interested in. Also, it鈥檚 a great way to borrow money. If you鈥檙e looking to fund a business startup or other venture this is a good place to start and get a competitive rate.

This is a really cool concept that I would definitely recommend that you at least research further through their website. Use their historical performance tool to see the results for yourself.

Performance analysis tool is here: http://www.prosper.com/lend/performance....

General information here:
http://www.prosper.com/join/lender1980x

Not risky at all. It is the best investment you could make because it gives you a diversified portfolio of different stocks, therefore lowering your risk. I would strongly recommend it.

Yes, you can lose money just like stocks. There is nothing good about these funds. People are led to believe they are great, well 5 or 6 years ago people were crying the blues. Some funds lost over half of there value, they are some funds that never returned to the same prices they were trading.
I really don't see advantages in putting my money into funds.

I would recommend making use of ETF's before investing in mutual funds.

I have left an article in the source column for you to look at. It may help you.

I had the same problem as you have.
I had a good amount of money, but didn't knew where to invest it.
So I looked around for something that gave me a great return towards a low risk.
And the only thing I could find was a mannaged account.
Here you can follow up my results of every day:
http://my-robottrader.blogspot.com/

I'm verry excited because I already have 56% ROI in Two months time.
My moneymannager is giving me great support, and answer all of my questions almost immediatly.
Annyway feel free to contact me (derrekmay at gmail.com) and I'll bring you in direct contact with my money mannager.