This is a very bad time to invest money. The stock market and world economy is in the process of a catastrophic collapse. The best thing that you can do is 1. Be debt free. 2. Keep your money in cash or, if you have lots of it, short term (90 days) government bonds. Do not trust banks for this period because, before it is all over, banks will also collapse. While this is not imminent, there is no reason to keep more in a bank than is needful for general expenses. Keep the rest in a bank deposit box.
For more information read "Conquer the Crash" which you can get from
http://www.elliottwave.com/store/default.asp