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I see. Well, then, do what soma mentioned. I'd hate to see you lost 18+ years of savings on day trading and foreign stocks. It won't take long if you don't know what you're doing. It might not take long even if you do know.
You should read a lot of books before doing anything at least. Synthesize a lot of ideas and then determine your own way. There is not universal formula. Even if someone on TFP can give you some tips, be sure to add much more to that before you start throwing your money around.
Good luck.
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Knowing that death is certain and that the time of death is uncertain, what's the most important thing?
—Bhikkhuni Pema Chödrön
Humankind cannot bear very much reality.
—From "Burnt Norton," Four Quartets (1936), T. S. Eliot
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