If you are getting a tax refund! You are not doing it right! You should be investing that money Monthly. that helps you study what you are investing in and if you see that what you are doing is not right for you then change it! Never invest in anything you do not know. there are a lot of good companies that are priced at all investment levels. Find a good company and learn all you can find out about it and the reason the price may change and by how much. Then invest in it or find another. There will always be good deal. ETF and Mutual funds are set up to insure you will not loose to much but you will not make very much either but they are safe. If you have to pay taxes at the end of the year most individual stock you can cash out in less than a week. the federal gov. does not pay you interest on any money they hold for you to file at the end of the year! Good luck
