If you do not have a SSN, your investment options are limited. You cannot own stocks since stockbrokers insist on a SSN to report taxes. You cannot even own tax-free municipal bonds because the brokers insist on using SSN as an account number.
HOWEVER - you CAN invest in commodities trading. This includes currency futures and heating oil futures.
Harrington Financial & Energy Advisors, Inc.
201 S.E. 15th Terrace, Suite 206
Deerfield Beach, Florida 33441
She already has 2 customers with no SSN.