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How I Got Started Investinging
come investire 100.000 euro is the No. number one way Americans build wealth and save for longer-term goals like retirement, but figuring out the best way to invest the money could feel daunting. But this doesn't need to be the situation.

The most effective way to invest your money An easy-to-follow guide
Everyone has a unique financial situation. The most effective way to invest is based on your personal tastes as well as your present and future financial situation. It's important to understand the full scope of your income and expenses in addition to liabilities and assets. obligations and goals when constructing a sound investing plan.

The following five steps will help you determine what you can do with your money right now:

Set your financial goals, timeframe and feelings about the risk.

Choose whether you'd like to adopt the "do-it-yourself" or "manage it for me" approach.

Select the kind of investment account you'll be using (401(k), IRA, taxable brokerage account, education savings account).

Open an account.

Make sure you choose investments that meet your risk tolerance (stocks or mutual funds, bonds or real estate).

Here are the essentials on how to put your cash to work the right way immediately.

Are you ready to begin investing? Take a look at the top 12 investment tips for any age or income right now.

1. Make your money work towards a purpose
The process of deciding how to invest your money starts with determining your investing goals, when you need or want to achieve them and your level of comfort with risk to achieve each goal.

Future goals for long term: Your primary target is typically retiring, however you may have others as well If you're looking to make a down payment on a house or college tuition? For your dream vacation home , or take a trip to celebrate your anniversary within 10 years?

Short-term goals The next year's holiday, a house you'd like to buy next year and an emergency fund or your Christmas piggy bank.

In this post, we're largely focusing on the long-term goal. We'll also talk about the best ways to invest without a specific goal in your mind. In the end, the goal to make your money grow is an ideal goal in itself.

The majority of money for short-term goals should not be invested in any way. If you're planning to need the money you're saving in under five years, check out our suggestions on how to invest your money for shorter-term objectives.

Are you interested in buying stocks? Learn how to make money investing in the market for stocks.

2. Choose how much help you need
When you've established your goals and objectives, you can start to look into the details of how to invest (from selecting the best kind of account you want to open to the best place to open an account to choosing investment vehicles). However, if the DIY approach doesn't sound like it'll be your cup of tea, no worries.

Many savers prefer having someone invest their money on their behalf. Although it was once a costly proposition, nowadays it's quite affordable -- cheap, even! It's now possible to get professional help thanks to the rise of automated portfolio management services a.k.a. robo-advisors.

These online advisors use advanced algorithms and computer programs to create and manage an investor's portfolio, offering everything from automatic Rebalancing, tax optimization, and even human assistance in times of need.

3. Pick an investment account
For the purchase of most kinds of bonds and stocks, you'll require an investment bank account. Similar to the variety of bank accounts that serve different reasons -- checking, savings and money market accounts, as well as certificates of deposit -- there are several investment accounts to know about.

Certain accounts provide tax benefits if you're investing to meet a particular goal like retirement. Keep in mind that you could be penalized or taxed if you withdraw your funds in the early hours, or for any reason that is not deemed to be qualified under the plan's rules. Other accounts are general purpose and are best used for objectives that aren't connected to retirement -such as that dream vacation home and the boat that will go along with it, or a home renovation down the line.

Here's a listing of some of the most popular investing accounts:

If you're investing to save for retirement, you should:
401(k): You might already have an 401(k), which is provided by a variety of employers. You can contribute right from your pay. Many companies will match your contributions, up to a limit -- if yours does have a match, you must contribute enough to be eligible for the match prior to investing in other investments.

Traditional or Roth IRA: If you're already contributing to a 401(k) or don't have one, you may create an account for retirement that is yours. In the case of a conventional IRA contribution, the funds are tax-deductible, but the distributions made in retirement are taxed like ordinary income. The Roth IRA is an alternative to the traditional IRA, but with the tax treatment being reversed: Contributions are made after-tax however, the money grows tax-free, and withdrawals during retirement aren't taxed. There are retirement accounts specifically made for people who are self-employed.

>> View our list of the best IRA service providers.

If you're investing to fund a different goal:

Taxable account. Sometimes called nonretirement or nonqualified accounts. These are investment accounts that can be flexibly used and with no specific purpose. In contrast to retirement accounts, they have no restrictions on the amount of contributions and you can withdraw money out at any point. They don't offer any specific tax advantages. If you're saving money for retirement and you've maxed out the options above however, you are able to continue saving in a tax-deferred account.

Accounts for savings at colleges. Similar to retirement accounts, they have tax advantages to save for college. A 529 account and the Coverdell education savings account are often used to fund college savings.

Except for the 401(k) account -- which is offered through your employer, you are able to open these accounts through an online broker.

Check out our review of the top online brokers

4. Open your account
Now that you know what kind of account you'd like then you must choose the account service. There are two options:

An online broker will allow you to self-manage your account by buying and selling a variety of investment options, such as bonds, stocks, funds and other more complicated instruments. A broker account at an online broker can be a great choice for investors who want an extensive selection of investment options or who prefer to be hands-on with managing their account. Here's how you can create an account with a broker.

A robo-advisor within an portfolio management company that relies on computers to do much of the work creating and managing your portfolio that is based upon your level of risk as well as your goal. There is an annual management fee typically between 0.25 percent to 0.50%. -advisors usually employ funds, which means they're generally not the best choice for those who are interested in bond or individual stocks. However, they are a great option for investors who prefer to be hands off.

Don't worry if you're just getting started. In most cases, you can create an account without having to make an initial deposit. (See our selection of best brokers for beginning investors.) Of of course, you're not investing until you actually add money to the account, which you'll need to do frequently for most effective outcomes. You can set up automatic transfers from an account in your bank account directly to your account for investment, as well as directly through your pay if your employer allows that.

Are you interested in buying stocks? Learn how to invest into the markets for stock.

5. Make sure you choose investments that are in line with your tolerance for risk
The process of figuring out how to invest your money is about asking where to invest your money (see our full guide to the best investments for any age or income). The answer is contingent on your goals and willingness to accept more risk to earn higher potential investment rewards. Common investments include:

Securities: Shares that are individual (piece of ownership) of businesses you believe will increase in value.

Bonds: Bonds permit an organization or government to borrow your money to finance a project or refinance existing debt. They are considered to be investment with fixed income and usually make periodic interest payment to the investors. The principal is returned on a set expiration date. (Here's more on how bonds function.)

Funds for mutuals: Placing your funds in funds -- like the mutual fund, index funds and ETFs, also known as exchange traded funds (ETFs)-- lets you purchase a variety of bonds, stocks or other investments all at once. Mutual funds provide an instant diversification by pooling the money of investors and using it to purchase an assortment of investments that align with the fund's purpose. Funds can be managed in an active manner by a professional, selecting the investments used as well as following an index. A Standard & Poor's 500 index fund, for instance, holds 500 of the biggest corporations in the United States.

Real estate: Real estate is a way to diversify your portfolio of investments in addition to the usual combination of bonds and stocks. It doesn't necessarily mean buying a home and becoming landlord -it is possible to invest in REITs that are similar to mutual funds that invest in real estate or online platforms for real estate investing, which pool investor money.

For growth you can invest in stocks and stock funds
If you're a person with a high risk tolerance and are willing to take volatility, you'll want to invest in a portfolio with a majority of stocks or stock funds. If you have a low risk tolerance, you'll want an investment that includes more bonds since they are more reliable and stable. Your goals are important in determining the direction of your portfolio as well. If you're looking to achieve long-term goals your portfolio could be more aggressive and take more risks , leading to higher returns so you'll probably want to own more stocks than bonds.

Whatever route you decide to take, the best way to reach your long-term financial goals while minimizing risks is spread out your cash across a range of asset types. It's known as asset allocation. Then within each category of asset, you'll need to diversify your portfolio into various types of investments.

Asset allocation is important because different asset classes like ETFs, bonds and stocks, mutual funds, real estate -- react to the market differently. If one class is up, another can be down. Therefore, deciding on the best mix of stocks will help you weather changing markets on the journey toward achieving your goals.

Diversification is the process of owning a variety of assets across a variety of sectors, sizes and geographical areas. It's like a subset of asset allocation.

Building a diversified portfolio of individual stocks and bonds takes time and knowledge, which is why most investors benefit from investing in funds. Index funds and ETFs generally low-cost and easy to manage, since they can require only four or five funds to create sufficient diversification.

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