When she was 15, Fu founded a non-profit group, Visual Arts and Music for Society, that organizes high school volunteers to play music, do art projects and perform in homeless shelters, hospitals, orphanages and senior residences.

FORBES: Names You Need to Know: Ernestine Fu

In the Investment Guide that begins on page 81, we offer advice from other successful money managers and columnists who agree today's valuations are dangerously high and yet believe there is still value to be found in individual stocks, bonds and real estate projects-and art-by investors who are willing to do their research and are able to hold on through the markets' inevitable gyrations.

FORBES: Side lines