you should probably dump the idea of phishing as most people now adays are aware of phishing and even if you make the best out of it, it can easily be detected.
You should concentrate more on keylogging as it is still one of the best ways to get the info you want. Also you can make keyloggers undetectable by crypters.
Even phishers are detected by most browsers.
Why Keylogger > Phisher.
♣ Phisher has very low (about 5%) chances of success while Keylogger has 100$ if its executed and is crypted well enough.
♣ Phisher is detected by most browsers and the victim knows about it before even getting access to your phisher page.
♣ Phisher sites are also banned by the hosts as soon as they find the truth about it so you have to hide it from the host too (unless you're using your own host)
♣ Keyloggers can get you your info for as long as you want.
♣ Once a phisher is used, the victim knows its a phisher and changes his password so you cannot get the info again, but with keylogger, you can know the info forever, no matter how many times he/she changes it.
You can find tuts regarding keyloggers and phishers on this forum
but you should definitely try this:
Create your own FUD Keylogger (Noob Friendly)
These are just what i can think of right now but you can google it and find numerous more benefits of a keylogger.
You should get a RAT if you want, it has a lot more cool functions than a simple keylogger.
Hope it helps