Lech,I notice this is your first ever contribution and I apologise for the 'baptism of fire' at the hands of my 'esteemed' colleagues.

You're looking for maximum returns. The Risk-Return relationship is such that taking higher risk is rewarded with higher returns. An example is buying a charity sweepstake ticket. If you're the only winner then your returns are quite high as compared to your initial 'investment'. If you don't win (and you likely won't),you lose the entire amount. Few people knowingly beat the odds...will you?

A few months ago this year,JMworia CEO of Centum (NSE:ICDC) was speaking to us at Mind Speak and someone asked a similar question - on investing vis-à-vis capital constraint. He responded by saying that when you have little money to invest,the greatest investment you can make (that will give you relatively higher and perhaps guaranteed returns) is in yourself and gave an anecdote surrounding Penguin Classic novels.

I believe this holds for you too Lech. You mentioned that you had 100K and you are a young graduate. Do you have a job? Consider taking a *rare* but highly sought after professional course in your field of study (that could earn you a promotion,or raise,or get you a better job..or make you retrenchment proof) if you're not doing so already.

Yesterday,arguably the world's fastest man was wearing a shirt with the inscription 'the Long Run'....perhaps that thought should frame your thinking too.

It often happens that a TRADER carries out a deep and complicated calculation,but fails to spot something elementary right at the first move!