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If money remains after the holidays, there is no shortage of advice on how to invest. January-The issues of personal finance magazines - with three questions at the end of the year - are charged with prognostications and lists of stocks chosen for 1997.

It is fascinating, and stocks were little more than a list. From time to time, American Express, Walt Disney or a biotechnology company appears twice, but the vast majority is not. Probably, several stock pickers are different research and analytical criteria, but the way to be forgiven for readers to suspect that experts have not the slightest idea. And a good record in this market, the increase was not simply a mission impossible.

The newspapers are all on the stubborn nervous stocks for the year 1997. Most predict a correction in the first half, followed by a rebound. Where does it end? Some analysts see the Dow beat 9000 or 10000 in the years to come. But do not forget, which has significantly different lists.

With view on the future of happiness, money and all have very special year-end is devoted to questions about the prospects for next year.

Fortune, his personal finances to cover this fall, when the store was refurbished, provides prices in European stocks. But he cautioned investors to be patient, because the pace of rationalization of business was slower than in the USA. The magazine of the five best players in Europe are chosen Volkswagen and Mannesmann in Germany, SGS-Thomson Microelectronics and Elf Aquitaine in France, and Daily Mail and General Trust of Great Britain.

The magazine appears every two weeks, including lists, which requires a lot of promising sectors for the year 1997, in collaboration with several companies in each. The sectors of the health of women, High-Speed-communication, supports the life and search for drugs.

For the money, 10 three brokerage stocks extend their potential as a winner. The magazine said its needles for the year 1996 have gained an average of 21 per cent, and it predicted a steep rise even more for its selection 1997: 39 per cent. (Because of publication deadlines for delivery of these newspapers, normally a threshold arbitrary selection point at the end of the year for calculating profits and losses. Starting from Friday, the Standard & Poor’s 500 Index shares rose by 21.6 per cent for 1996.)

Michael Sivy, Money’s Chief Investment Strategist, advises investors, while the overall market is not as strong as in 1997, was in 1996, he believed, the Dow in early 9000, within five years. ”We believe that investors should each dive in share prices as a buying opportunity grandiose,”he writes. It also examines, which is spoiling the fresh perspectives.

Worth’s approach is comparable to the money in 12 investment Before each choose two preferred shares for 1997. The 1996 performance of its needles have ranged from an increase of 209 percent for Chesapeake Energy - a favorite of Daniel Leonard, manages, Strategic Technology Fund INVESCO portfolio - a decrease of 51 percent for Semtech chosen by Louis Navel Lier, publishers BPM Review.

In its regular January, Smart Money, Kiplinger’s Personal Finance and Individual Investor same post in the future.

Smart Money had a good record for 1996, if the needles were on average 36 percent. With the help of Elaine Garzarelli, look analysts, is Garzarelli Capital, the magazine has great expectations for a period of five stocks - First Choice, Nokia, Watson Pharmaceuticals, Revco and Allstate. In borrowing, it offers a 50-50 split between five years and Treasury Bonds Vanguard’s Corporate High Yield Bond Fund.

Kiplinger’s is the least gushy on the outlook for 1997, but focuses on stocks, says it should grow, what to expect, humdrum existence of a market. He predicted good rate of return of Real Estate Investment Trusts, certain actions and energy, financial services and banking shares.