Lets say you're 20, you have 10 grand with a 10 year outlook and this is a significant sum of money to you. Where would you put the money? If shares, keep in mind you usually get free brokerage when you first sign up to Commsec. This is for my brother and the outlook for most options on the ASX appears grim. Maybe a term deposit or HISA? I hope that one day he can put it towards a house or use it to start a business.