If so, post your portfolio. I'm currently working to increase my university savings (I'm about to finish high-school and start at uni in one year) and I think it'd be a waste to keep the money in the bank. I mean, here you get a 3% bank rent? After taxes it's actually around 2,2%, while inflation is somewhere around 3%.. 1.022/1.03 <1. So basically you're losing money by keeping them in the bank. If one takes the time to learn about accounting (a few ratios and such, nothing complicated) & the market, and use a "buy high-dividend stocks from large, stable and efficient companies when they're cheap" strategy it's quite hard to lose money. At least I think so, I bought my first stocks 1 month ago and it seems to go fine until now.. Anyway thoughts? My portfolio is: Excelon - 5% dividend yield TEVA Pharmaceuticals - 2,5% dividend yield but it'll get better Banco Santander - 10% (sustainable, unless the Spanish economy really does go into a recession) dividend yield Apple - 0% dividend yield, but I think the market beat this stock too far into the dirt. I don't trust an Apple without Steve Jobs, but I think it will rise a decent amount in the short-medium term (after the Euro-fears decline) due to quite high iPhone 4S sales, new concepts, untapped Asian market etc. Vimpelcom - 8% (sustainable) Dividend yield.