buy stocks or mutual funds in the end of August (down 5-10% at that time), sell in the end of March or April (up about 20% at that time), it is very easy to get >20% return a year.
I like fidelity now, because there are many funds to buy. Put the ticker in Yahoo-finace, compare the performance every year, you will which is good.
Vanguard is good too.
