We have all heard that investing your money is something that is vital if you ever hope to have a comfortable retirement. This is actually pretty sound advice but as you may already know, the past couple of years haven't been the best in terms of return on investment. Tons of people watched as their retirement and investment funds dwindled down in size. On the day that this article was written, May 6th, 2010, the Dow dropped nearly 1,000 points during intraday trading before having a slight recovery, ending the day down over 300 points. With all of the uncertainty in the economy, it can sometimes be hard to know where to invest your money or even if you should invest it.

When it comes to investing your money, what you really need to look at is your return on investment. This doesn't always have to be a monetary value. If you invest some money on a course that will teach you how to manage your time better, is that a good investment? Well, if it actually helps you better manage your time, then yes. One of the greatest investments that you can make is on your own personal development. The knowledge and skills that you learn and develop won't be wiped out from any sort of market collapse.

Another type of investment is to invest in other people and organization by way of charity. This isn't exactly an investment since you're not really expecting any returns from it but if you look at it in terms of getting something positive then it's a great investment. Donating to charity or a good cause has been talked about and written about by tons of successful people. The more you give, the more you seem to receive. Of course, you should be giving for the sake of helping the less fortunate but from what those who are big givers experience, the more you give, the more you receive in all kinds of returns. This can be in a form of good luck, better peace of mind, connections, etc.

If you're only looking to know how to invest your money to get a monetary return, then the best way is to do your research. No one is going to care about your money more than you. If all you do is hand over your money to a stock broker, then all you can really do is hope to make some money. To be good at anything, you need to study it. In order to be good at investing, you need to take the time to educate yourself. Even then, there are a lot of risks but if you look at the data, you will find that the longer you have your money invested, the higher your chances are of getting a positive return. This means you probably shouldn't get into any sort of short term trading unless you know exactly what you are doing.