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I'm not a financial expert or anything so take this with a grain of salt, but I'd look into mutual funds. Mine's been pretty flat so far but I only started my account in May. It claims, based on historical data: (time period - average annual returns) 1yr - 11.77% 3yr - 19.63% 5yr - 16.50% 10yr - 8.11% (Vanguard 500 Index Fund Admiral, for reference) E: Hmm, apparently it shows different percents if I google it vs. if I'm just logged in. Odd.