Rayvt- I will work on that spreadsheet, but don't expect it overnight. I still have yet to choose which funds I am going to use and with this tidbit of info about some stocks being less volatile I have a lot of work to do. Also that one potato chip analogy does worry me, but I will make rules and play the rules. I;m decent at following my own rules.

As per the options, the broker I use doesnt do option's so for right now that is out of the question.

Interest I am paying is 4% I believe on the margin and I have no intention's of starting to use Margin until I have about $5,000 saved which should take about a month. I was using the time it would take me to accumulate the funds as a "cool off" and "planning" stage.

Thanks for the reply's guys. I will build that spreadsheet when I have time and pick funds for one and stocks for another. See which one is the least volatile, decent CAGR etc. I bet you the mechanical investing boys will be usefull for this... they have tools for this, I may have to head over there.

Anywho, I;m off for now.
SN