We realize it can be stressful and time-consuming to start investing your money on your own. But trust us, you'll be glad you did.

And besides, you don't have to do it all on your own. That's why we started Dolans.com—to help you through the process.

There's another option you may want to consider: joining or starting an investment club. If you join with your significant other, it's like having a support group to keep the two of you from guessing in the dark and then blaming each other when a stock heads south.

If the idea makes you think of blue-haired ladies in Beardstown who can't get their return rate right, you should know that today's investment clubs are hipper, younger, more diverse, and more aggressive. And they've been more successful than many mutual funds.

The National Association of Investors Corporation (NAIC), an investment-education group that has been a sort of clearinghouse for investment clubs since 1951, calculates an index for its members with the top 100 returns. According to the NAIC, their members have amassed more than $90 billion in assets!

There are more than 13,000 investment clubs in the United States, and among them they invest more than $75 million each month. The median age of members is 53. The average investment per member is $84 per month. The typical investment club has members whose main investment goals are retirement, financial security, and financing their children's education.

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