Don't merch if you don't even know any methods at this point. Profitable merching takes experience and knowledge. It's not something to invest large sums of money in if you haven't done it for more than a few months. If you wish to learn how to merch successfully -- I recommend starting with that 10m and investing in some things and trying to profit to get the initial feel of it. After that, start slow and profit 200 - 300k per set. Then, once you're better than average, invest the rest (You'll be left with 80 - 95m or so) and profit largely. Eventually, you can turn that 80/90m into 250m+. Just be careful.