Whats the best investment, long term and yearly if I have 3k a month to invest ?

I'm trying to stay out of real estate......

Forget what the grandma has to say everyone seems to think brokers are a disease that needs to be treated. I'm a broker and my clients love me, they make money and I make money, my advise is worth something, but i will give this to you for free and I guess the grandma and ride on our coat tales too. Look at BFD, AGC,CHW. these are some closed ends that im getting my older clients into for 9-10% yeilds and that are trading at deep discounts to their NAV, a couple are monthly distributions not quarterly and they are global, where the growth is. Long term growth agressive, FLSAX Fidelity fund check out that record. Go to ETFconnect.com and look up the info on the closed ends, good story there. And I'll send you a bill for the advice... haha

You have to remember, the higher the return on your investment the higher risk of loosing it. Stocks are risky, mutual funds are safer but can still let you down. The only safe conservative investing is in CD's, which are guaranteed and FIDIC insured. I would talk to your personal banker, he has less to gain by giving you the straight, whereas a broker is going to make money off you so he's definitely going to try to sell you.

How old are you, It makes a difference....

But instead of telling you something to invest in, If you have 3K a month
Get a financial advisor, there are many, go see and interview a few through the yellow pages of the phone book.

This is a tough question to answer. What do you value? What are your goals? Those are the first questions you'd have to answer.

Determine what you're saving for. How long until you would need the money. Then try to make an educated guess at how much you'd need (interest rate wise) to attain that goal, then figure out how much you need to save to get there.

If you have your heart set on $3,000 most REAL financial professionals will suggest that if you don't already have a safe, liquid financial foundation, then that's what you should do first. That's normally accomplished by some type of cash savings, CDs, and if you have a family, then, believe it or not, cash value life insurance. http://www.twintierfinancial.com/article...

A little advice on the life insurance: If you do go the life insurance route, look for companies which offer strong cash value policies like equity indexed life insurance.
http://www.twintierfinancial.com/article...

Pick a dollar amount you want to start putting away and ask the agent to make that premium "solve for the face amount" or "maximum fund/overfund the policy" - which gives you the best long-term death benefit option and amazing cash value growth. He/she will know what that means, and if not, get another agent. Companies like Aviva PLC (the 5th largest and oldest insurance company in the world) have excellent contracts, and I've seen many life insurance policies from that company which, after 20 years (life insurance *IS* a long term contract), have very impressive internal rates of return after administrative costs (i.e. you'd need a taxable investment of about 7-8% to beat the returns on their cash values!!!!).

For CD's, and high yield savings accounts, Everbank.com is very hard to beat.

After you've gotten a good foundation set up, start at investopedia.com, and learn everything you can about investing. Most folks dive right into investments like
mutual funds without first having some kind of savings to fall back on if their mutual fund turns out like 94% of mutual funds (failing to beat their respective index).
http://www.twintierfinancial.com/article...

Before you jump into any kind of investment, be sure you've researched the stock, the company, the cash flows, management, etc. Most stock analysts on the internet are not very good, so be careful who you hire IF you decide to hire someone to help you research stocks.

Some of the more speculative sectors that are worth checking out are resource stocks (mining stocks, energy stocks, etc.), though they are VERY volatile, so be careful.

The important first step is to make sure you have the foundation built first before you go ahead and try to build the first floor if you know what I mean.

Hope that helps.

Get educated!! I would get my first 3k and go to Investools.com and find out about next investment seminar. They educate on different kind of investment vehicles (stocks, mutual funds, ETFs, indexes, basic and advanced stock options, technical and fundamental analysis, and even FOREX (foreign exchange). You will be able to go through live or on-line classes, get books and DVDs, and on-line resource websites, will have professional coaching. After their training I am able to double my account every year (but I am 33 y.o. and very aggressive investor). You can choose the strategy you like and diversify your portfolio with other investment vehicles like bonds and T-bills. I am very happy I made right decision two years ago.