I believe the questions you are probably have about investing are, "How do I get started? How do I actually achieve a 12.08% annual return by buying all the stocks in the Index" How can I achieve a 20-25% return a year by beating the market? "How do I select the right stocks"? How long will it take for me to achieve the returns I want?"

Well, strap on your seatbelt and get ready because I am going to share with you a whole range of strategies I use to multiply my money at millionaire returns. Through my own course of learning to invest over the years, I have found that there are many very different philosophies and strategies that experts use to select stocks to achieve above average returns.

Growth Strategy 1: Buying Markets & Sectors

The first growth involves achieving the same returns as the whole US stock market or Singapore Stock market by buying the market indexes such as the S&P 500 index, Dow Jones Index, NASDAQ composite Index and the Straits Times Index.

This is the most basic strategy that all novice investors should start off with. Executing this strategy successfully involves the lowest level of financial competence but it can make you consistent annual compounded returns of 10%-12.08%.

The holding period for such investments would be usually over one year or longer. Buy sectors or industries that may be performing very well within the whole stock market

Growth Strategy 2: Value Investing

Select specific stocks of individual companies that would outperform the general market and even the hottest sectors. Value investing is the strategy employed by Warren Buffett, the worlds greatest investor and second richest man.

In value investing, you will learn to buy high performing companies at a fraction of what they are worth. In other words, you will learn how to buy great companies when they are undervalued and to sell them for a huge profit once the market realizes its true value. This strategy has consistently made me profits of 15%-25% annually!

Growth Strategy 3: Momentum Investing

This next strategy will allow you to achieve much higher returns (of more than 25%) within a much shorter period of time (3-6 months). Momentum investing involves finding the hottest stocks that are ready to make great gains. Momentum stocks tend to already be priced above their fair value.

However, because of the entire market's optimism about the stock's potential, these stocks tend to increase significantly in price within a very short period of time before they are overbought and come tumbling down (this is when you sell and make huge profits).

Growth Strategy 4: Options Trading

Make 100%-500% returns on your money from as short as one day to a maximum holding period of 3 months. This final strategy requires you to have the highest level of financial competence and skill. This strategy is known as trading (as opposed to investing) and it involves the use of buying (or selling) stock options. Trading is different from investing in a few ways.

Investing usually involves making money by buying a stock and predicting that it will increase in value over a few months to a few years. However, in trading you are able to make profits whether the stock price moves up or down and you usually enter and exit a trade within a very short period of time.

The funny thing is that some of these strategies contradict each other. Where one expert says that you should thoroughly understand and love the business behind a stock that you buy, other experts say that you should treat stocks as commodities and trade them without any need for understanding the business.

Some experts have made their fortune purely by studying a company's fundamentals (i.e. financial strength, profitability & business potential) while totally ignoring its historical price trends (i.e. technical analysis).

At the same time, I know gurus who have made millions purely through the analysis of a stock's price movements and reading the psychology of the market, while ignoring the company's fundamentals.

Some experts believe in buying and holding their investments over the long-term while others believe that you should be in and out of an investment within a few weeks! Some investment experts like Warren Buffett believe in buying undervalued stocks only when they are shunned by the market and then selling them for huge profits once they reach their fair value.

After studying and testing the many schools of thought (with my own money), I have discovered that all these different strategies WORK, when thoroughly understood and applied properly. Today, I use a whole range of different investment strategies myself, depending on the return I seek to achieve.