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There are a number of different investor schemes and options through perhaps thousands of products. The rule of thumb is that the longer you can live without the money you invest, then the better returns on your investment.

Stocks and shares traded in stock markets can either be 'High-Risk' or 'Low-Risk', depending on the type of investment involved.

High-Risk investments include putting your money into a specific stock with the intent of making a big return in a short period of time. Those types of investments can make you lose money fast and that is why they are characterised by this.

You need to know the market you are investing in very well in order to have any real chances of making a serious income out of high-risk investments. What some see as a benefit, is that high-risk investments give you almost instant access to the money you have invested.

Low-Risk investments are considered long-term investing schemes where you place your money for a longer period of time. The only drawback is that you won't have access to your money for years.

These types of investments are considered to be much safer than the high-risk ones, however noone can guarantee that at the end of the investment period you will get back high returns or indeed your initial investment back.

The other drawback is that unless you choose to invest for over 5-7 years, there will be no substantial return on your initial investment.

Be carefull with the thousands of investment products, portofolios and services the major stock traders and banks offer. You need to take extra care and read the smallprint before making any decisions.

Also some trader insider information and tips may not be always true.