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If you are oung and can take risks, it would be best to park your money in mutual funds rather than investing directly in the stock market. Most mutual funds require a bigger initial capital, normally 50,000 or more, though thre are two that accept 5,000 initially with 1,000 increments after.If you want maximum capital growth over a period of at least five years, I would recommend that you invest your money in equity mutual funds assuming you are forty years old or younger and able to take moderate to high riak. Play it safe by investing a big portion of your money in the top performing mutual funds.