If you have $20,000 Plus to invest, whats the best way to use money to make money?

just wanted to know some of the best ways to make money if you have a little money to invest..

Standard investment advice is that you should invest in a diversified mix of stocks, bonds, and money market funds. You want to buy a diversified portfolio of stocks as individual stocks are too risky. Most folks have a dificult time buying a properly balanced portfolio of stocks on their own. They will misbalance their portfolio by buying all small stocks or all growth stocks, or some other misbalanced assortment of stocks. Unless you know what you are doing, it is best to buy mutual funds. I like Vanguard.com, other people like Fidelity, TIAA-CREF, and DFA. Buy no-load, low cost funds. If you are like most people you will invest part of your money aggressively in stock funds, and part conservatively in money market funds and bond funds. Vanguard has an on-line questionnaire which will give you an idea of how to do "Asset Allocation," determining how much to put in each type of fund.

If your company offers a 401K plan at work, try to invest the most you can. The money grows tax free, and some companies will match your contribution. Investing in a mutual fund IRA is also a good idea. If you have children, you may want to consider a 529 plan or other college savings plan that grows tax free.

I like index funds. Because of their broad diversification, you are less likely to have a dramatic drop in value. They also have the lowest expenses. For stock funds, I would suggest putting ~70-80% of your money in the Vanguard Total Stock Market Index Fund. and ~20-30% in a foreign stock index fund. However, there are many different opinions out there on what the best mutual funds are. Read the links below and form your own opinion.

If you have high-interest debt, like credit cards, it is best to pay this off first before trying most of the investment ideas above. You should also have 3-6 months of salary saved up as an emergency fund in a bank or money market fund before trying more risky investments.

Believing advice you get on Yahoo answers can be risky, so read these websites for further information. If you find it too confusing, contact a professional financial advisor. They will charge you significant commissions, however.

Sources:

http://www.vanguard.com/VGApp/hnw/planni...
http://www.fool.com/school.htm
http://sec.gov/investor/pubs/assetalloca...
http://www.diehards.org/readsites.htm
http://finance.yahoo.com/education/begin...
http://finance.yahoo.com/funds/basics

Asset Allocation Calculators
(Determining how much to put in stocks and how much into bonds and money markets is a personal decision depending on your financial status. These Asset Allocation questionaires give you a rough idea how to do this. I like Vanguard best, but try some of the other sites as well.)
https://personal.vanguard.com/VGApp/hnw/...
https://ais2.tiaa-cref.org/cgi-bin/WebOb...
http://www.ifa.com/SurveyNET/index.aspx

Web forum: http://www.diehards.org/
(Many investment web forums are overrun by scam artists. This one seems the most legitimate site.)


529 plans: http://www.savingforcollege.com

Depends on the length of time. I'd be putting a little bit into bonds and a majority of it into stocks that have sunk. It's a fantastic time to get into the market if you have the capital to do it. If you have a long time frame, I'd look into Abbott, John Deere, Anadigics, Cbiz, and some mutual funds like Dodge and Cox International, or some other no load mutual funds. Good luck! :)

right at the moe, wait a week, be brave and chuck into blue chip shares and wait 5 years

May I recommend the following site.

low-cost-stock-recommendations

.com

The analysis and advice appears very thorough. I purchased a recommendation from them 5 weeks ago. The lady suggested I buy SVR, a silver ETF. I purchased at $131 and sold already at $155. A very nice profit in a short time.

So I am pleased so far.

I would recommend looking at: Conservative, Growth, Value, CD's, Bonds.....all on her navigation bar.

Check it out

Tax free muni bonds. If the feds cut interest rates again they go up (plus the earnings are federal and tax free).

GLD (Gold ETF), MOO (Agri ETF)

Keep the "powder dry" for another week or so before jumping into any new stocks until the end of the month.

Try http://www.goldenbullstocks.com

just save that money for bad time, and invest with zero dollars at http://www.iwantwebsite.com

I would invest it in a mannaged forex account...
The one where I have invested my money into is really paying off!
In a month time I have a ROI of almost 30%
http://my-robottrader.blogspot.com/

Here you can see how my money developped during the last month.
Annyway if youw ant I can bring you in direct contact with my money mannager...
just send me a mail and I'll give you his adress