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Invest in stocks if you can research and continuously monitor them; otherwise, consider index funds or robo-advisors. Only use money for stock investment that you won't need for at least five years ...

Greg McFarlane is a financial writer and co-founder of ControlYourCash.com. He is also the co-author of Control Your Cash: Making Money Make Sense. Matteo Colombo / Getty Images Get personalized, ...