The Investment tip for 2016 is to invest in yourself, in health, training and education. If you have spare money, there is no alternative with a higher return. At least, as long as you are no Wolf of Wall Street. Instead of 0,x percent from your savings account you will be able to shoulder more responsibility, have more impact and move up the ladder. Being self-employed, already the first assignment might amortize the invest.
The further, priceless plus: the increase in Knowledge that we can never lose.
So, know-how is our biggest asset. The only down side: it is non-hereditary. But until or last day the payoff is dead sure.