What are some smart investment Ideas for a 22 yr old college student?

I dont have much to invest but would like to get the most out of my money as quickly as possible. I guess everyone would. I have already put in the full amount I possibly can in 401k. If the stock market is your recommendation then where should I go to find good stocks to invest in.

I would not invest in stocks per se. And, the reason for that is because you will probably only have a handful of shares in each company (especially if you spread it out among several companies, which they recommend that you not put all your eggs in one basket).

I would instead buy mutual funds with it. LMVTX and LMASX are two that I have that I've been really happy with the performance on. LMVTX has done extremely well the past few years.

It's great that you are investing now. I wouldn't put all of my money in any one ivestment.

Watch Cramer on CNBC for stock tips. He stays ahead of the curve.

Also, you can take a portion and loan it to people plus interest. Act as a bank. Some offer fdouble digit returns. Do your own due diligence. http://www.Prosper.com

Good Luck-
http://www.GoodShephard.Free1up.com

I think you should not be concerned with stocks unless you have at least 25,000 to put in all at once. No one design a good enough portofolio with anything less than that.

Second of all, please tell me that you've got a savings account with at least 10,000 in it. Stock prices fall because people SELL. That's a bad word so dont do it. Save some money first so you can invest for the future without worry.

Jermaine Spence
Licensed Financial Advisor
www.FreedomTreeFinancial.com

you first need to have a emergency savings account at your local bank with a few thousand dollars in it. after you have that, start to invest each month into a good mutual fund. you can do this with as little as $50.00 a month. call vanguard on their 800 number and they can get you started. if you don't have a roth ira, put as much money into that a year as you can until you hit the limit.... if you have money left over to invest just put it in any good mutual fund and let it ride for 40 years, stay out of credit card debt and save as much as possible and you will be very rich someday

A good place to find investment ideas is from the best investors at http://www.top10traders.com - each month the site ranks the best performing investors.

If you are willing to take on some risk, one stock I like right now is OYOG - they make 3d-seismic equipment that lets oil companies get more oil out of their oil fields:

http://www.top10traders.com/ViewHolding.aspx?symbol=OYOG

Excellent idea!

If this is retirement money (401k or IRA), go conservative. invest in stock equity funds or stock ETFs.

However, if you open a taxable brokerage account (for example E*trade, http://www.etrade.com), you can speculate a bit more. Even if you lose the money, you have a lot of time to make it up.

Learn more about stocks and the market. Read Investing for Dummies by Eric Tyson. If you want more, you can read:
Real Money: Sane Investing in an insane world by Jim Cramer
One Up on Wall Street by Peter Lynch.

Make sure you know how to study stocks and not just go on tips.

If you do know how to study stocks, here are some starting points for your research:

. Basic Materials:
a. FCX (Freeport McMoran, Gold and Copper)
b. ATI (Allegheny Technology)

2. Consumer Discretionary:
a. GME (Gamestop) -- Major gaming cycle is here (3 major consoles), large Generation Y
b. NTRI (NutriSystem) -- obesity problem is a long term trend
c. SNDA (Shanda Interactive) -- Chinese Online Gaming Company. Chinese Middle class is growing, and I can see them getting addicted to online games.
d. JBX (Jack in the Box) -- Regional fastfood (growth to be national) with Mexican Qdoba grill exposure. you remember the Chipotle (CMG) spinoff by Mcdonalds?
e. CKR (CKE Restaurants) -- Carl's Jr. Fast food and other fastfood chains. Good small cap fast food long term growth at a reasonable price?

3. Consumer Staples:
a. UL (Unliver) -- Much cheaper and better growth
than PG (Procter and Gamble)
b. HANS (Hansen) -- Growth Drink Company
c. PEP (Pepsi) -- Large diversified drink company
d. CEDC (Central European Distribution) -- Central
European drink company)
e. WBD (Wimm Bill Dann) -- Fast growing Russian
Diary and milk company. Look at the chart! Wait for
pullback?

4. Energy:
a. Integrated Oil:
COP (Conoco Philips)
b. Drillers:
ESV (Ensco)
GSF (Global Santa Fe)
c. Refiners:
VLO (Valero)
TSO (Tesoro)
d. Oil Sands Exposure
CNQ (Canadian Natural Resources)
e. Oil Services:
HAL (Halliburton)
SLB (Schlumberger)
f. Oil Shipping/Services
TDW (Tidewater)
g. Rigs and other oil services:
NOV (National Oilwell Varco)
RIG (Transocean)
h. Coal:
BTU (Peabody Energy)

5. Financial Services:
a. Brokers:
GS (Goldman Sachs)
LEH (Lehmann)
b. Banks:
JPM (JP Morgan)
IBN (Icici Bank) -- Indian Bank
KB (Kookmin Bank) -- Korean Bank
NBG (Natonal Bank of Greece) -- Greek Bank
c. Exchanges:
NYX (New York Stock Exchange-Euronext)
CME (Chicago Mercantile Exchange)
d. Others:
LUK (Leucadia), a mini Berkshire Hathaway
e. Online Broker:
ETFC (E*Trade Financial)
f. HXM (Homex) -- Mexican Homebuilder

6. Healthcare:
a. Big Pharma: (I don't really like big pharma)
MRK (Merck)
PFE (Pfizer) -- Value play.
b. Biotech:
GILD (Gilead) -- Great pipeline
c. Medical Equipment:
MDT (Medtronic)
ISRG (Intuitive Surgical) -- Robotic surgery
d. Healthcare Insurer:
AET (Aetna)
HUM (Humana)
MOH (Molina Healthcare)

7. Industrials
a. Aerospace/Defense:
BA (Boeing)
BEAV (BEA Aerospace)
TDG (Transdigm Group)
b. Congolomerate:
GE (General Electric) -- Large cap to come
back
c. Infrastructure:
CAT (Caterpillar)
MDR (McDermott)
FWLT (Foster Wheeler)
d. CX (Cemex) -- Mexican Cement company.

8. Technology:
a. AAPL (Apple)
b. GOOG (Google)
c. NVT (Navteq) -- they make digital maps for GPS
d. SIRF (Sirf Technologies) -- they make chips for
GPS
e. GRMN (Garmin) -- They make GPS products
f. RIMM (Research in Motion) -- Blackberry maker
g. GLW (Corning) -- Optical and flat panel display
play.
h. FNSR (Finisar) -- Optical equipment under $4
speculative play.
i. LVLT (Level 3 communications) -- Speculative
under $6 optical equipment play.
j. CSCO (Cisco) -- Networking equipment
k. AKAM (Akamai)
l. DOX (Amdocs) -- Billing software company

9. Telecom:
a. AMX (America Movil) -- Latin America/Mexican Telecom play. This is a great growth area at a good price
b. T (AT&T)
c. NIHD (NIHD Holdings) -- Latin America Telecom
d. BRP (Brasil Telecom)
e. VIP (Vimpel) -- Russian Telecom company

10. Utilities
a. SZE (Suez) -- French Utility with growth

Then try in mutual funds

Investing in the stock market is riskier than a 401K which is usually an investment in funds of many stocks. If you want a more active part in the growth of your finiances, as it sounds like, you will need to take more risks. I started buying company stocks when I was your age. I purchased and held them. They went up and down. Could have made a lot more over the years by being proactive by becoming a swing trader; buy when the stock prices start up on high volume and sell when they start loosing their momentum. Read some books on technical analysis of the stock market. I have been making 30% / year doing this. I make a daily buy-hold-sell decision on each stock based off of a buy-sell rule based computer evaluated system. Subjectivity is not an issue here. Not every purchase can be sold for a gain so you better learn to sell the poor performing stocks and not hold onto them. Keep the winners and sell the loosers as they say. Check out the yahoo group ComputerProgramPicks. Best of luck to you. Luck is executing with a prepared mind.

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