[spaxiaroorbes]

adalbertus, so you'd say, that it isn't worth investing in stocks over short period of time because the values change, and therefore it's risky, but in long term, with teh right strategy, you can come up on top with solid and steady growth? Right, my goal is, right now, to look at an investment of .. 3 to 4 years appx. That would be relatively short term? So, if stocks (and funds) are out of the question, what other options there are?

Carolus Rex, yes, I do not intend to trade actively, as I want to learn first. I'm looking at a fairly solid investment, and while building it up, I intend to learn the game, because it would give me time to do that, and a reason as well. I'm not intending to put in money for 3 to 4 years and then quit. My mission is to hopefully after succesful investment for these first few years, to have some money to start investing with the knowledge and experience gained during this first investment period. So that would be the capital I'd be using to really start operating, of course adding more money into it from my own pocket as well.

So brokerage fees are not really that much of a concern.

About dividens though, the way I understand it (I might be wrong!), is that I have to choose between dividens and growth. At least with funds? So, in some cases the other one is better, I just don't know what determines the situation where the other one is better. Should I want dividens or value in growth, since I'm not selling the possible investment for at least few years?

My discipline is computer science. It means that I view this thing as bunch of facts, a structure, where I can perform tasks.

Also, with the funds there's the problem of not knowing which is good. I don't like the ones with like 40% growth in the last 6 months, even more in the 3 year period. The value is starting to get so high, that there's no money to be made there.

I like the low ones, and I'm going by intuition purely, with 0 experience. Like, there's this fund for Turkey's market, that invests in Turkish companies that are solid and big in Turkey. The problem is, it's very unpredictable, the changes can be quite big at all times. However, the value is low right now, extremely low (the lowest if all funds I found), and they're definitely future oriented fund. The middle age of the country is somewhere around 30 or even below, so there's lots of young people (and work force), and there's always the possibility of Turkey entering the EU in 10 years or so. But the point was, the value was extremely low now, so it would be very cheap to buy in now. Is it worth it? No idea, it was kind of risky, and I guess 3 to 4 years investment in that is not a good one, more like 10 to 15 years.

[ClaudeMarkus]

Addendum:

i) I'm sorry if I misrepresented your origin, I seemed to remember you're finnish and I've never heard of an israeli with Pekka as a nick...

ii) I think Turkey has great potential, so don't let my advice on not to buy recent "losers" misguide you if you want to invest in funds there. The fall in value may be one of those "opportunities"... That's what happened with Indianbased funds... Fell a lot during the summer, but picked up 20-30 per cent during the fall (IIRC)... In general, though, I believe the advice is sound.

iii) Obvious, but anyway. Whatever people say here (including me), make your own decision. It's easy to tell others what they should do with their money...

Good luck!

Carolus

[mpxricyNimb]

Vanguard