I know this goes against all that is sacred on FT, but I wouldn't let free airline miles determine where you invest your money.

If you'd like, I can send you the name and number of a friend in Newport Beach that is a VP of Investments with USB PaineWebber. He can help you determine the best investment strategy based on your goals and risk tollerance. Most of his clients have a minimum $500K investment portfolio, but he said he'd help you find something that fits your needs (mutual funds etc..).

Let me know if you'd like his number.