I try not to give advise but will tell you that 90% are Banking Kurdistan, Warka, Commerical, Inv of , Gulf, and a hand full of others.. Natl Chem and Plastics and some others but mostly bank ,, Alot of ISX have been somewhat flat but they do tend to pay dividends through splits.. CD's are also very attractive because of the high rate paid 12% or so for a 1yr but also the increase over the yr in exchange rate.. Warka pays 9% just for a sav account.. I would have money in an Sav Account 25%, CD 25% and in the ISX 50%, this is my mix.. Dont forget to keep some in your lock box.. GLTA