I am heavily loaded in mutual funds. I lost quite a bit of money in the dot com crash and just this year recovered from that and started making money again ... only to see that the markets are not predicted to do well in the coming year.

So I was looking for some way to diversify. I kept seeing things about forex, but I wasn't interested in doing trades all the time on my own as it seemed like a fairly steep learning curve with a lot of risk. I ended up finding a managed currency account which I'm moving funds into now. They had a special of low funds required for an account, only $1000, in Oct and Nov, but now it is back up. But the returns last year were 80% after performance fees paid with no compounding, so I'm going for it now at the higher account requirement of $10k. If I can get high returns like that without having to really do anything, I will be very happy.