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A account and a Coverdell education savings account are commonly used for college savings. With the exception of a k — which is offered through your employer — you can open these accounts at an online broker. Now that you know what kind of account you want, you need to choose an account provider.

There are two major options:. An online broker will allow you to self-manage your account, buying and selling a variety of investments, including stocks, bonds, funds and more complex instruments. An account at an online broker is a good choice for investors who want a large selection of investment options or who prefer to be hands-on with account management. Here's how to open a brokerage account.

A robo-advisor in a portfolio management company that uses computers to do much of the work for you, building and managing a portfolio based on your risk tolerance and goal. You'll pay an annual management fee for the service, generally around 0. Robo-advisors often use funds, so they're generally not a good choice if you're interested in individual stocks or bonds.

But they can be ideal for investors who prefer to be hands off. Don't worry if you're just getting started. Often you can open an account with no initial deposit. See our lineup of best brokers for beginning investors. Of course, you're not investing until you actually add money to the account, something you'll want to do regularly for the best results.

You can set up automatic transfers from your checking account to your investment account, or even directly from your paycheck if your employer allows that. Figuring out how to invest money involves asking where you should invest money. The answer will depend on your goals and willingness to take on more risk in exchange for higher potential investment rewards.

Common investments include:. Stocks: Individual shares piece of ownership of companies you believe will increase in value. Bonds: Bonds allow a company or government to borrow your money to fund a project or refinance other debt. Bonds are considered fixed-income investments and typically make regular interest payments to investors.

The principal is then returned on a set maturity date. Here's more on how bonds work. Mutual funds: Investing your money in funds — like mutual funds , index funds or exchange-traded funds ETFs — allows you to purchase many stocks, bonds or other investments all at once. Mutual funds build instant diversification by pooling investor money and using it to buy a basket of investments that align with the fund's stated goal. Funds may be actively managed, with a professional manager selecting the investments used, or they may track an index.

Real estate: Real estate is a way to diversify your investment portfolio outside of the traditional mix of stocks and bonds. It doesn't necessarily mean buying a home or becoming a landlord — you can invest in REITs, which are like mutual funds for real estate, or through online real estate investing platforms, which pool investor money.

Your goals are important in shaping your portfolio, too. Whichever route you choose, the best way to reach your long-term financial goals and minimize risk is to spread your money across a range of asset types. Asset allocation is important because different asset classes — stocks, bonds, ETFs, mutual funds, real estate — respond to the market differently.

When one is up, another can be down. So deciding on the right mix will help your portfolio weather changing markets on the journey toward achieving your goals. Diversification means owning a range of assets across a variety of industries, company sizes and geographic areas. It's like a subset of asset allocation. Building a diversified portfolio of individual stocks and bonds takes time and expertise, so most investors benefit from fund investing. Index funds and ETFs are typically low-cost and easy to manage, as it may take only four or five funds to build adequate diversification.

Our investment strategy road map can guide your investing journey. Now you know the investing basics, and you have some money you want to invest. Feel like you need more information? The below posts dive deeper into some of what we discussed above. See how to invest in index funds. Tips on building a simple investment portfolio.

Read our guide to investing See how to invest in bonds. Read about five ways to invest in real estate. Learn how to choose a financial advisor if you'd like help balancing financial goals. Use our inflation calculator to understand the relationship between inflation and investing. The best way to invest money: A step-by-step guide. Open an account. Give your money a goal. Decide how much help you want. NerdWallet's ratings are determined by our editorial team.

The scoring formula for online brokers and robo-advisors takes into account over 15 factors, including account fees and minimums, investment choices, customer support and mobile app capabilities. Learn More. Fees 0. Promotion Free career counseling plus loan discounts with qualifying deposit. Promotion Up to 1 year of free management with a qualifying deposit.

Pick an investment account. If you're investing for retirement:. Open your account. Choose investments that match your tolerance for risk. The best investment accounts for you in Assessing risk is not always as simple as looking at credit ratings, however. Even highly rated companies and bonds can underperform at certain points in time. Your asset allocation likely starts with a mix of stocks and bonds, but diversifying drills deeper than that.

Within the stock portion of your portfolio, you may consider the following types of investments, among others:. Stocks may be classified as a combination of the above, blending size and investing style. You might, for example, have large-value stocks or small-growth stocks. The greater mix of different types of investments you have, generally speaking, the greater your odds for positive long-term returns.

To boost your diversification, you may choose to invest in funds instead of individual stocks and bonds. Mutual funds and exchange-traded funds ETFs allow you to easily build a well-diversified portfolio with exposure to hundreds or thousands of individual stocks and bonds. Investing costs can eat into your gains and feed into your losses. When you invest, you generally have two main fees to keep in mind: the expense ratio of the funds you invest in and any management fees advisors charge.

In the past, you also had to pay for trading fees each time you bought individual stocks, ETFs or mutual funds, but these are much less common now. When it comes to investing in mutual funds and ETFs, you have to pay an annual expense ratio , which is what it costs to run a fund each year.

These are usually expressed as a percentage of the total assets you hold with a fund. Schulte suggests seeking investments with expense ratios below 0. If you receive advice on your financial and investment decisions, you may incur more charges. Financial advisors , who can offer in-depth guidance on a range of money matters, often charge an annual management fee, expressed as a percentage of the value of the assets you hold with them.

Though any of these investing costs might seem small independently, they compound immensely over time. Securities and Exchange Commission. You can do the same with your portfolio. When you check up on your portfolio, you want to make sure your allocations are still on target. In hot markets, stocks might quickly outgrow their intended portion of your portfolio, for example, and need to be pared back.

That was more risk than they were looking for in their bond allocation, so she dumped it. Look for changes in your own situation, too. Overall, investing is all about focusing on your financial goals and ignoring the busybody nature of the markets and the media that covers them. That means buying and holding for the long haul, regardless of any news that might move you to try and time the market. Stacy Rapacon is a freelance writer-editor, who has specialized in personal-finance topics, including investing, saving for retirement, credit, family finances, and financial education, since Her work has appeared on Kiplinger.

You can find her on Twitter at srapacon and connect with her on LinkedIn. John Schmidt is the Assistant Assigning Editor for investing and retirement. Before joining Forbes Advisor, John was a senior writer at Acorns and editor at market research group Corporate Insight.

Select Region. United States. United Kingdom. Stacy Rapacon, John Schmidt. Contributor, Editor. Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

Get Your Finances in Order Before you can invest for the long term, you need to know how much money you have to invest. Featured Partners. Trading Commissions. Annual advisory fee. Learn More On Betterment's Website. Was this article helpful?