Investing can be a daunting prospect for a novice, but it doesn't have to be. Exchange-traded funds are straightforward, comprehensive products that can help simplify the investing process for the uninitiated, particularly those in their twenties who have aftertax investable assets for the first time, perhaps from diligent savings or from a year-end bonus. While retirement accounts k , Roth IRA have their merits, we recommend young investors hold some money in a taxable brokerage account to keep it accessible for potential large expenses, like buying a house or going to grad school. This article explores how new investors can use ETFs to create a balanced portfolio without stress or confusion. We'll discuss what a target asset allocation should be, and how it can be implemented using ETFs on various trading platforms. Laying the Groundwork When starting out, new investors should follow two important rules of thumb: keep it cheap, and keep it simple.
Too many young people rarely—if ever—invest for their retirement years. Some distant date, 40 or so years in the future, is hard for many young people to imagine. One of the reasons most often given for not investing is a lack of knowledge and understanding of the stock market. But you've got to start investing now; the earlier you begin, the more time your investments will have to grow in value.
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