[Sylvanfan]

Yeah, for your age I don't think you can go wrong with an index based fund, or one of the Barclays Iunits funds. Both would have very low expense ratio's and will always mirror the respective index they benchmark against. Most mutual funds fail to beat the benchmark simply because they're facing a 2-2.5%MER they can't overcome. Something like the TSX capped index makes sure you don't have more than 10% of your money in one company no matter how much of the total index their cap is worth. Which would save you from owning a lot of Bell and Nortel shares that you might not want. Over the long haul this will get you a good return...But if you want to speculate, invest in the index now and look to pull out around 2010...Read some investing books on demographics, they'll serve as a good guide.