Just buy coins. BTC/USD rate will reach 5 digits in a few years.
Why would it go that high?
Since that it is getting more and more attention, and people start using it as a currency, wouldn't the $ to BTC rate drop to a reasonable amount? I can't imagine businesses having to sell things for 0.00000001 bitcoin etc would make it an ideal currency to trade in. IMO when BTC starts being more mainstream and more businesses start accepting it as payment, we are going to see prices fall and become steady at a reasonable level (like a normal currency).
The investment focus should be on alt-coins where the ratio to USD is low such as Peercoin and Litecoin. I feel they have potential to spike upwards and I am willing to put money in them for the ride.