long term is the way to go. as a future financial consultant (hopefully) i think that if u want to gamble, go to vegas. haha. but oh well. im only 20 and i have almost 100k in mutual funds and i have a house on top of that. i figure a real good investment you can make today is in real estate. i bought this house last year for ~400k, and now the value is ~650k. gotta love silicon valley. and i have the IS which is a liquid asset. just because youre young doesnt mean you cant have the money like older people have. one thing i dont like is that people judge us by our age, when we are more than competent to make our own decisions. oh well, im lovin life. isnt it grand? now i just have to worry about 26 more units to take before i graduate.