Best Investments Opportunities for Beginners - Baltimore Post-ExaminerBaltimore Post-Examiner

Best Investments Opportunities for Beginners

Are you looking for investment opportunities? Look no further because we’ve collated the best investment opportunities for beginners. You don’t need to have any firsthand experience before delving deep into these opportunities. Investing in stocks may not be a unique idea when it comes to making good with your money, but there are worst things you can do.

When it comes to investing, there are numerous ways you can go about it. You can learn to invest in stocks, but that would mean you’ll need to have at least a thousand dollars to start. You can also look into rolling your money into a bank, but interest rates will have you rolling your eyes, as well. Whether you’re a young adult or in your retiring age, here are the best investment opportunities you need to be checking out:

A retirement plan

While most governments around the world prioritize the retirement of their constituents, it’s never a bad thing to start planning for your retirement at a young age. In the US, a 401k is a great investment idea, not because it’s the most widely available, but because it works. For most people who work, a retirement plan can be the best investment for your future.

It also is a very good idea to go beyond the standard retirement plans. Studies have shown that most people who want to live their lives a certain way after their working years need to have at least one or two fallbacks. It’s basic investing for dummies. The more plans you have, the better your chances of never having to work again for the rest of your life.

Mutual funds

Mutual funds are a great investment opportunity because they usually are robust, and they rarely disappoint. You can ask your bank about mutual funds, or invest on your own. The idea of mutual funds is that you invest a certain amount, alongside others,  to a stock, which is usually facilitated by a bank or an investment firm.

Your returns depend on how the stock is faring. There are many types of mutual funds – one of the most popular being target-date. A target-date mutual fund is retirement investments that your employer may offer depending on the capacity you possess. Your capacity is based on how much you earn per month. You can bypass this if you want to invest bigger, but the risks will be solely yours.

Exchange-traded funds.

If you want to do the passive way of investing, exchange-traded funds, or ETF, maybe the best route to take. ETF has the lowest administrative fees in most investments. That means it’s not a high-reward kind of investment. ETFs may be slow in uptake, but when done right, it can be a really great investment opportunity.

With ETF’s, investments are carried through the day, not unlike in index funds where you need a minimum investment fee. Investors then trade stocks or buy it at a share price. Because the price is shared in exchange-traded funds, the list price then becomes tolerable for most investors. Expect at least $100-$300 dollars minimum prices at the end of the day.

Investment apps

The most modern of all the investment approach in this list, investment apps do just what they are supposed to do: trade stocks for you via your phone. Numerous apps in the market help beginner investors start their journey. The majority of these apps pool funds from the consumer’s debit or credit card and trade them automatically in ETFs.

If you want to trade on individual stocks, an app called Stash is your best bet. The app lets you trade two ways: through ETFs and individual stocks. Bear in mind that some of these apps don’t necessarily have your best interests, and they are just doing business for business’ sake. Be vigilant. Always review their fees, terms, and conditions.


There’s so much more about investments than actually just investing. The money will grow if you know how to do it, but in order to do so, you’ll need to have the right insight first. Reading about investment opportunities is the first step to that. Any of these investment plans will do you good, and you can invest in all of them. That is if you have the capacity for it.

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