[Goran]

I agree with what's been said too. I have not invested anything yet but have been watching and researching for years.
When I do jump in I would go for big companies that produce something tangible like oil, cars, airplanes, and that pay a decent dividend. Shell for example has never cancelled its divided since 1940's. Its a really nice 6-7%.Then re-invest the dividend and you have slow exponential growth. There are opportunities to speculate even with these big safe stocks. Shell for example went down to 1400 a year ago then it practically doubled a few months ago peaked around 2400 this January.
I would also buy some physical gold, never buy paper gold unless you are just speculating, paper gold will crash one day because 99% traded is just electronic gold all those people wont be able to convert it to physical when s#!t hits the fan.
My problem is I am too risk averse, had I bought gold in 2008 when I first started looking at it at £400 an ounce I would have a nice sum now.