not 大侠, some 建议

1) you need to know term of this investment: long term? (10+ yrs) or middle (5+yrs) or short (1+yr) or daytrade (<1 yr)

2) know your risk tolerance.  aggresive, modest, or conservative.

3) know your size of investment.  some funds/accounts have high fee.  If the size is small, the cost takes big portion of your gain.

4)do your own research if possible.  No one can give you a suggestion working for all situations.  It should change over the time.  Get into the field you familiar with, like your field of study.

Good Luck!