if you just won 12 thousand bucks how would u invest it?

If you are looking to maximize current income from a $12k principle, then I would investing bond portfolio that splits the money among diversified funds of high yield corporate bonds (junk bonds) and Emerging market bonds, These typically pays about 12% in dividends, getting you $1.4K a year.

You can also trade down income for the safety of your principle by adding the lower yielding investment grade international corporate bonds and mortgage-backed bonds into the mix, and getting about 8% or just under $1k a year.

Depends on your specific financial situation. If I 'won' the money, I would take a slightly higher risk on the potential return. If its hard earned cash I would be more conservative. Age and priority would come into play.

As always research and patience is essential.

Lets say for the sake of arguement I won the money (so its a windfall I was not planning on) I would risk the larger majority of it on risky high return investments, say an 65% (high risk) - 35% (low risk) ratio of investment.

My high risk investments would include stocks that have the best yield potential, there are many out there. It's not best to elaborate, do the research and they will become obvious.

Lower risk investments include bonds and bond mutual funds, lower risk lower gain.

GL

I'd put $4000 into an IRA (as a mutual fund), I'd put $2000 in my checking account, and invest the rest in stocks (right now, I'd put it in Tara Gold Resources).

I would put it in a matrix system. It has paid a lot of money.

Roth IRA

I would put half towards my mortgage and half toward my favorite stocks. Here they are:

http://www.top10traders.com/ViewPortfolio.aspx?use...

Put it in porn industries.