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start investing at 22

Buy Fractional Shares of a Stock or ETF. Stocks, bonds, and mutual funds can all be good places to start investing in your 20s. But don't count out other alternative investments outside these markets. Invest in Real Estate Investment Trusts (REITs). LAS VEGAS BETTING LINES NASCAR

This can be more valuable than owning a single investment property because the portfolio is invested in different types of property in various geographic locations. That gives you greater diversification than you can get with a single property. Another significant advantage is that you can invest in a REIT with just a couple of thousand dollars.

Buying an investment property outright would require a much larger amount of capital just for the down payment. We can also add that you don't need to actively manage a REIT the way you would with an investment property. REITs have the advantage of investing in commercial real estate, which often outperforms residential properties.

There's even an argument that REITs have outperformed stocks in the past few decades. First, real estate has been a strong performer over at least the past half-century. Second and perhaps more important, real estate — and commercial real estate in particular — often moves independently of the stock market. For example, a real estate investment trust may continue to provide positive returns even when the stock market is falling.

This is not only because REITs pay regular dividends but also because commercial real estate may continue to rise in value when the stock market is falling. Perhaps more than anything, REITs are a way of diversifying your growth assets beyond stocks. But if you're not familiar or comfortable with investing on your own, you can always do so through a robo advisor.

That's an online, automated investment platform that does all the investing for you. It includes creating your portfolio, then managing it from now on. They even reinvest dividends, periodically rebalance your portfolio and offer various tax strategies to minimize your taxable investment gains.

What's more, you can use a robo advisor for either a taxable investment account or a retirement account, particularly IRAs. It's hands-off investing at its best. All you need to do is fund your account and the robo advisor handles all the details for you. And they typically invest in a mix of stocks and bonds. Many also offer funds that focus on ESG stocks. Here at Investor Junkie, we like Wealthfront and Betterment , which are the two largest independent robo advisors. Both offer an incredible range of investment benefits and are on the cutting edge of the industry.

We made a comprehensive comparison between Betterment and Wealthfront right here. If you want to be more hands-on with your investing but can't afford a lot of stock, consider fractional shares. This is when you buy a portion of a stock for a fraction of the price. With fractional shares, you still own a portion of the company.

Not every investing app or broker will let you buy fractional shares. One great app that will also allow you to buy a portion of shares is Public. It also supports fractional share investing in stocks and ETFs. Buy a Home This one's kind of a mixed bag. On the positive side, owning a home lets you build substantial equity over many years. This is done by a combination of gradually paying down your mortgage and the value of the property increasing. Owning a home also has the advantage of leverage.

That will increase your initial investment by a factor of But price appreciation of the property can make that number a lot higher. The downside to buying a home when you're young is that you may not be at a point in your life when the relative permanence of homeownership will work to your advantage.

For example, being early in your career, you may need to make a geographic move in the near future. If you do, owning your own home could make that move more challenging. If you're single, owning a home forces you to pay for more housing than you actually need.

And of course, a future marriage could also hold the possibility of making a geographic move or needing to purchase a different home. Owning your own home is definitely an excellent investment when you're young. But you'll have to do some serious analysis to determine if it's the right choice at this point in your life. Open a Retirement Plan — Any Retirement Plan There are two primary reasons for doing this: getting an early jump on retirement savings and tax deferral.

Being on that kind of fast track may even enable you to retire a few years early. But if you delay saving for retirement until age 35, the results are not as encouraging. The investment strategy will be more aggressive to start and become more conservative as you get closer to retirement.

You can pick a handful of funds to invest in, which will give you a diversified investment plan. The next best option is to save for retirement in a Roth IRA account. The best part is that they come with a tax break. With a Roth IRA, your contributions are made with after-tax dollars.

You also don't pay any taxes on investment gains. You can withdraw contributions at any time with no penalty. This means you can access your funds if you really need to for an emergency. IRAs have an annual contribution limit. If this is out of reach for now, then just contribute as much as you can.

Even if you have a k plan, it's smart to have an IRA account too as part of your retirement plan. After all, you can never save too much for your future. You can open an IRA retirement account with a self-directed brokerage or robo-advisor. A DIY account is good for investors with a bit of experience, while a robo-advisor offers automatic investment for those who want to be hands-off.

Credit cards can be a great tool to help you reach your financial goals. And as a young adult, it can be tempting to open up a bunch of cards. But make sure to keep your spending in check. Only spend what you can pay off at the end of every month. The debt you rack up in your 20s can be a problem for the next decade or even beyond.

It can impact your ability to save and invest for the future. And even more - bad debt will affect your credit score. This can hurt your chances of getting a loan, leasing an apartment, or even getting a job. If you already have some credit card debt, make paying it off your priority. The reason is because the high interest charges can far outweigh any investment earnings. If you have student loan debt or a car loan, while they can be a drag, those kind of debts are not considered bad debt.

Just continue to make your payments on time each month. You can increase payments as you earn more. Increase Your Savings When you first start, you may not have much to save or invest.

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What successful investing looks like is producing the highest return possible for a given level of risk to achieve your goal. When it comes to investing money in stocks, the right time is when your investment will produce the highest return possible for a given level of risk and desired result.

Plus, the investment to pay off that debt is risk-free. One unique situation is a k employer match. In this case, the numbers would tell you to maximize your employer match, then use the rest to pay off high-interest debt. There is some wiggle room depending on your goals and financial situation. Different Types of Investments There is an infinite amount of possible investments. Paying off debt over investing is an investment.

So is investing in your own education. When it comes specifically to investing in the traditional sense like for retirement the four most popular types of investments are: Stocks. Also referred to as equities, stocks are a legal claim on part of the assets and earnings of a corporation. Historically, stocks have the highest overall returns of any asset class, but they come with the most risk. Learn more about how to invest in stocks. A bond is essentially a loan you make to a company or the government.

You then earn interest based on the agreed-upon terms. There is a wide range of bonds available to invest in, but bonds are most often used to reduce risk within a portfolio. In investing terms, cash is how you refer to money market instruments, such as savings or money market accounts.

Cash has the lowest performance of any major asset class, but also comes with very little risk. Alternative investments , such as crypto and real estate, have become more popular in recent years. In our current low interest rate environment, more investors are turning towards alternatives and away from bonds and cash.

There is a wide range of risks and returns available in the alternative space. Beyond these categories of investments, there are different ways to invest in them. Mutual Funds. Mutual funds are how you can invest in a pool of stocks and bonds without picking each individual one yourself. Mutual funds offer investors easy access to managed investing. There are both passive and actively managed mutual funds.

A k allows you to avoid that. That can get you in the door of several ETFs for very little money. Here's how to open a brokerage account THE PAYOFF Not to question your stock-picking skills, but researching, selecting and managing individual stocks is challenging — even the pros can screw this up. Going with index funds could easily save you a few hours a week.

With a k , that help is typically available through a target-date fund. This type of fund adjusts to take less risk as you age. You can pick one by using the date in its name, which is supposed to line up as closely as possible to when you plan to retire. Keep in mind that you can always swap to a different fund later.

These companies charge a percentage of your account balance for their services and investing tips. Many big players such as Wealthfront and Betterment cost less than 0. But the last of our general investing tips is that over time, you need to save more. To figure out how much you should shoot for, use a retirement calculator , preferably one that gives you a monthly savings goal.

Then work your way there in little jumps.

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