{"id":112840,"date":"2021-02-08T23:28:35","date_gmt":"2021-02-09T07:28:35","guid":{"rendered":"https:\/\/www.rentcafe.com\/blog\/?p=112840"},"modified":"2026-01-28T05:30:55","modified_gmt":"2026-01-28T13:30:55","slug":"best-practices-beginner-investors","status":"publish","type":"post","link":"https:\/\/www.rentcafe.com\/blog\/budgeting\/best-practices-beginner-investors\/","title":{"rendered":"Financial Experts Share Best Practices for Beginner Investors"},"content":{"rendered":"<p>Among the goals that many people have for this year, gaining control of one\u2019s finances is sure to be near the top of the list. And, in addition to <a href=\"https:\/\/www.rentcafe.com\/blog\/expert-interviews\/best-financial-advice-renters-2021\/\">budgeting and saving money<\/a>, another aspect that\u2019s closely linked to becoming financially secure is investing. If you&#8217;re looking for tips for beginner investors, we&#8217;ve got you covered.<\/p>\n<p>As the internet buzzes with news about the stock market and the various states of high-valued companies, beginners might become a little overwhelmed and not know what the best practices are. So, we asked financial experts and advisors to give us their best tips for beginner investors in 2021. Here\u2019s what they had to say.<\/p>\n<h2>Top Tips for Beginner Investors<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-112847 size-full\" src=\"https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/return-on-investment.png\" alt=\"tips for beginner investors\" width=\"800\" height=\"450\" srcset=\"https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/return-on-investment.png 800w, https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/return-on-investment.png?resize=500,281 500w, https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/return-on-investment.png?resize=768,432 768w, https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/return-on-investment.png?resize=150,84 150w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h3>Start Simple &amp; Pile Up<\/h3>\n<ul>\n<li><strong>Haley Tolitsky, Certified Financial Planner, <a href=\"https:\/\/cookecapital.com\/\">Cooke Capital<\/a>: <\/strong><\/li>\n<\/ul>\n<p>\u201cThe best investment tip for beginners is to keep things simple. Once you have your emergency savings fully funded (typically three to six months of <a href=\"https:\/\/www.rentcafe.com\/cost-of-living-calculator\/\">living expenses<\/a>) and are comfortable with your debt payments, start contributing to your employer\u2019s workplace retirement plan at least enough to get the full employer match, which is essentially free money! If you do not have a retirement plan offered through work, open an IRA or <a href=\"https:\/\/www.sdretirementplans.com\/roth-ira\/\">Roth IRA<\/a> (depending on your tax situation) at a reputable broker. Once the account is open, set up automatic monthly contributions from your bank account and choose a low-cost (check the fund\u2019s expense ratio), diversified ETF (<a href=\"https:\/\/www.finder.com\/etf-expense-ratios\">exchange-traded fund<\/a>) or mutual fund to invest in.<\/p>\n<p>Don\u2019t overcomplicate\u202fthings by trying to determine\u202fthe monthly amount you invest, as you can always increase it over time. The key is to get started. Investing can be overwhelming, but by choosing an ETF or mutual fund that holds many companies, you are reducing your risk versus owning individual\u202fstock in one specific company.\u201d<\/p>\n<ul>\n<li><strong>Timothy Iseler, Founder, <a href=\"https:\/\/www.iselerfinancial.com\/\">Iseler Financial<\/a>:<\/strong><\/li>\n<\/ul>\n<p>\u201cOne of the most important investment strategies for beginners \u2014 in 2021 or any year \u2014 is to not\u202fdive in the deep end right away. Start with something easy to understand, easy to maintain and easy to repeat, like dollar-cost averaging (buying the same dollar amount of the same investment each month) into a broad stock market index fund in a 401(k) or an Individual Retirement Account (IRA). A new investor with decades until retirement can take advantage of compounding returns over 20 to 30+ years, and an index fund is an excellent choice for that time horizon. Avoid the temptation to immediately buy individual stocks; buy and sell frequently (day trading); and go\u202fall in on a handful of investments. A novice poker player should not sit down at a table full of sharks, and neither should a new investor start with the most competitive, risky or difficult ways to invest.<\/p>\n<p>One of the best ways to succeed as an investor is to make saving a large part of each paycheck a habit.\u202fInvestments that are allowed to grow and compound over years and decades can bring life-changing results \u2014 but not if that compounding is prematurely interrupted.\u202fA high savings rate (the amount saved relative to gross pay) may not be as exciting as investing, but it will help navigate the expenses that may otherwise force investments to be sold for some quick cash. Unexpected expenses \u2014 like a hospital visit, a tax bill or losing a job \u2014 may require a lot of cash on short notice, and the stock market is the wrong place to put money that might be needed in the next one to three years. Building a habit of saving a portion of each paycheck can help reduce the risk around unexpected expenses or dependence on debt, which will allow investments to grow over years and decades.\u201d<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-112843 size-full\" src=\"https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/how-to-invest-money.png\" alt=\"investment strategies for beginners\" width=\"800\" height=\"450\" srcset=\"https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/how-to-invest-money.png 800w, https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/how-to-invest-money.png?resize=500,281 500w, https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/how-to-invest-money.png?resize=768,432 768w, https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/how-to-invest-money.png?resize=150,84 150w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h3>Diversify Your Portfolio<\/h3>\n<ul>\n<li><strong>Mark Armbruster, President &amp; CEO, <a href=\"https:\/\/www.armbrustercapital.com\/\">Armbruster Capital Management<\/a>:<\/strong><\/li>\n<\/ul>\n<p>\u201cWe\u2019re in an environment of elevated uncertainty across the capital markets.\u202fBoth stocks and bonds appear expensive by many measures.\u202fHowever, with the prospect of future inflation, even holding cash has its risks. In such an environment, the best approach is to diversify.\u202fWhile diversification is always a good idea, hyper-diversification is warranted today. Spreading your investment dollars across several asset classes \u2014 but also across a variety of geographies, industries and currencies \u2014 is more important than ever.\u202fA sprinkling of bonds will help protect against a recession. Stocks and REITs should outpace higher inflation.\u202fForeign holdings help hedge a depreciating dollar.\u202fValue stocks could provide downside protection if growth stocks falter.<\/p>\n<p>Beyond the basics, commodities, gold and a small allocation to digital assets could add to returns, particularly if we enter a period like the decade of the 2000s, when stocks generated flat returns for many years.\u202fThere is no silver bullet to addressing today\u2019s risks of overvaluation; low interest rates; potential inflation; heightened taxes and regulations; a double-dip recession; and other exogenous events.\u202fA multi-faceted approach to portfolio construction is warranted, and diversification will be key.\u201d<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-112845 size-full\" src=\"https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/invest-in-real-estate-1.png\" alt=\"tips for beginner investors\" width=\"800\" height=\"450\" srcset=\"https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/invest-in-real-estate-1.png 800w, https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/invest-in-real-estate-1.png?resize=500,281 500w, https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/invest-in-real-estate-1.png?resize=768,432 768w, https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/invest-in-real-estate-1.png?resize=150,84 150w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h3>Invest in Real Estate<\/h3>\n<ul>\n<li><strong>Ethan Taub, CEO, <a href=\"https:\/\/www.goalry.com\/\">Creditry<\/a>:<\/strong><\/li>\n<\/ul>\n<p>\u201cThe best investing practice I think renters should implement in 2021 is real estate. The real estate market for residential and commercial is likely to crash due to the forbearance program coming to an end this year. So, for those of you who have the funds to invest, you are going to find yourself with several opportunities to buy up foreclosed properties. We have seen a rise in residential real estate prices over the last few months, as well as witnessing the situation of the commercial real estate market. This is due to businesses having to move their employees to remote working because of the pandemic.<\/p>\n<p>But remember, the misfortunes of one year can often create new investment opportunities in the new year. However, if you want a huge return, you need to be willing to raise the risks slightly. I would suggest that, when you are making an investment, be sure not to put all your eggs in one basket. Consider diversifying as much as you can to lower your risk exposure. It\u2019s wise not to take too much of a risk at first and I would recommend you <a href=\"https:\/\/learn.arrivedhomes.com\/building-wealth-through-real-estate\/\">invest for a minimum of at least five years<\/a>. If this isn\u2019t possible for you, I would suggest that you wait until you can and, in the meantime, put your money in a savings account.\u201d<\/p>\n<h3>Invest in What You Consume<\/h3>\n<ul>\n<li><strong>Joseph Hogue, Founder, <a href=\"https:\/\/mystockmarketbasics.com\/\">My Stock Basics<\/a> &amp; Let\u2019s Talk Money:<\/strong><\/li>\n<\/ul>\n<p>\u201cMy tip for beginner investors is to contrast your investments with your lifestyle and expenses. If you spend most of your money on a particular product or part of your lifestyle, why not benefit from it, as well, by investing in the companies that collect the money? For renters, this means benefiting with the companies that see higher profits if residential rents and the housing market gains. In this theme, there are real estate investment trusts (REITs) \u2014 like AvalonBay Communities (AVB) and Equity Residential (EQR) \u2014 that own apartment properties, collect the rents and pay great dividends out to investors.\u201d<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-112846 size-full\" src=\"https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/investing-over-time.png\" alt=\"best way to start investing\" width=\"800\" height=\"450\" srcset=\"https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/investing-over-time.png 800w, https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/investing-over-time.png?resize=500,281 500w, https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/investing-over-time.png?resize=768,432 768w, https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/investing-over-time.png?resize=150,84 150w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h3>Be Patient<\/h3>\n<ul>\n<li><strong>Shawn G. Whitt, Financial Advisor, <a href=\"https:\/\/www.edwardjones.com\/shawn-whitt\">Edward Jones<\/a>: <\/strong><\/li>\n<\/ul>\n<p>\u201cInvestment prices don\u2019t always move in the same direction as the overall economy. This might not have seemed apparent right after the COVID-19 pandemic struck in mid-February as the overall economy and the stock market took big hits. But, just about five weeks later, the markets began a rally that lasted several months. Investors who tried to cut losses and exited the market likely did so at the wrong time and missed out on the beginning of the upturn. Unfortunately, this is not uncommon. Investors who overreact to market declines often find themselves on the investment sidelines just when a new rally begins. Rather than being reactive in this way, you may be better off sticking with a long-term investment strategy and buying and selling investments only when it makes sense for your situation, such as when you need to diversify your portfolio.\u201d<\/p>\n<h3>Be Consistent<\/h3>\n<ul>\n<li><strong>Connor Brown, Founder, <a href=\"https:\/\/afterschoolfinance.com\/\">After School Finance<\/a>:<\/strong><\/li>\n<\/ul>\n<p>\u201cOne of the biggest challenges with\u202fstarting to invest is staying consistent. The\u202fsecret is to automate your investment contributions. Whether you\u2019re contributing to a 401(k) or another type of brokerage account (IRA, taxable\u202faccount, etc.), set it up so that every time you get paid, money will automatically be withdrawn to be invested. This will help keep you on track. Think of this\u202fjust like\u202fpaying your rent. Perhaps you have that automated so you never have to worry about it. Do the same thing with your investments, and you\u2019re sure to make progress.<\/p>\n<p>Want to take it one step further? Boost your contributions every few months. For\u202fexample, maybe you start by investing 5% of\u202fyour income. Three months from now, try boosting this to 6%. Chances are, you\u202fwon\u2019t even miss that extra money. Over time, small changes can add\u202fup to big results.\u201d<\/p>\n<h3>Apply Dollar-Cost Averaging<\/h3>\n<ul>\n<li><strong>Randa Hoffman, Owner &amp; Financial Planner, <a href=\"https:\/\/radiantwealthplanning.com\/\">Radiant Wealth Planning<\/a>:<\/strong><\/li>\n<\/ul>\n<p>\u201cYou might have heard of the term \u2018dollar-cost averaging,\u2019 but\u00a0what does it really mean and why is it so important to incorporate it into your\u00a0investing strategy? Well, it\u2019s a fancy way of saying systematic investing.\u00a0Think of 401(k) contributions. Each paycheck contributes roughly the same\u00a0amount to the\u00a0retirement account regardless of the price of the fund at the\u00a0time. What makes this simple action of investing equal amounts regularly so\u00a0powerful is that it is averaging the price over a long period of time, which\u00a0could\u00a0lower\u00a0the total average cost of the investments.<\/p>\n<p>What you don\u2019t want to do is invest chunks several times a year. As much we would love to believe that we can time the market to buy low and sell high, the truth is that we can\u2019t tell the future of market behavior, and the last thing you want to do is buy a large amount at the highs.<\/p>\n<p>Dollar-cost averaging is a great way to be a long-term investor, as opposed to being a trader. It also takes the emotion out of it. Of course, for some, this might sound like a boring way to invest, and in a way it is. But increasing your wealth doesn\u2019t always have to feel like a rollercoaster. There are other parts of life that fulfill that feeling. Your investments don\u2019t have to be one.\u201d<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-112842 size-full\" src=\"https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/expert-advice-investing.png\" alt=\"good investments for beginners\" width=\"800\" height=\"450\" srcset=\"https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/expert-advice-investing.png 800w, https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/expert-advice-investing.png?resize=500,281 500w, https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/expert-advice-investing.png?resize=768,432 768w, https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2021\/02\/expert-advice-investing.png?resize=150,84 150w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h3>Protect What You Have First<\/h3>\n<ul>\n<li><strong>Skeff Bisset, Director of Adviser Development, <a href=\"https:\/\/www.wealthcontinuumgrp.com\/\">Wealth Continuum Group<\/a>: <\/strong><\/li>\n<\/ul>\n<p>\u201cWhen one is getting started with investing while renting an apartment, value is of paramount importance. Many novice investors want to find the deal or biggest potential return. However, they may be a bit apprehensive due to risk associated with the choices they make.\u202fMy tip for beginner investors is to put a fence around their fortune to start.\u202fWhat does this mean?\u202fProtect what you have first. Get insurance on your income. This is called disability insurance. This is arguably the most valuable asset one has \u2014 the ability to earn a living. Properly protect your family (if you have one) with life insurance. Start out with term and grow into more sophisticated options when budget allows. Once these basics are in place, you have earned personal permission to start investing in modest portfolios in the market.\u201d<\/p>\n<h3>Be Aware of Your Investing Type<\/h3>\n<ul>\n<li><strong>Anton Konopliov, CEO &amp; Founder, <a href=\"https:\/\/palmavioletsloans.co.uk\/\">Palma Violets Loans<\/a>: <\/strong><\/li>\n<\/ul>\n<p>\u201cFor people who would like to try investing for the first time, one of the best practices is to determine your investor personality, which is basically your personal preference when it comes to the treatment of gains and losses, especially risks. This is important because there are a lot of investment options out there and, really, you are free to choose whichever you like, but that wouldn\u2019t be wise. What will be wise is for you to choose the investment that suits your personality because investments are usually long-term commitments that you need to be comfortable with. If you are a risk-averse person, you do not want to end up with a high-risk investment that you chose carelessly because that will keep you up every night.\u201d<\/p>\n<h3>Ask Experts for Help<\/h3>\n<ul>\n<li><strong>Lucas Robinson, CMO, <a href=\"https:\/\/www.crediful.com\/\">Creditful<\/a>:<\/strong><\/li>\n<\/ul>\n<p>\u201cMy tip for beginner investors is, if you\u2019re not an expert, just ask someone for help. You don\u2019t have to do this alone, and a financial advisor can help navigate any uncertainty you have. While it may be tempting to ask someone you know, the best course of action you can take is to ask a professional. Make sure to check out any advisors first, though, and ask whether they are a fiduciary. Also inquire about their certifications. Looking for certified planners is the best thing you can do to get the best advice available.\u201d<\/p>\n<h3>Think Long-Term<\/h3>\n<ul>\n<li><strong>John Li, Co-Founder, <a href=\"https:\/\/www.figloans.com\/\">Fig Loans<\/a>:<\/strong><\/li>\n<\/ul>\n<p>\u201cMy best tip for beginner investors is to think long-term. Depending on the investment that you choose to allocate your funds into, it\u2019s important to look at it from a long-term gain perspective of thinking. Do due diligence with your research and seek out long-term investment opportunities to maximize your profit while minimizing risks.<\/p>\n<p>On top of this mindset, choosing investment assets that compound over time is a great way to protect yourself from the volatility of the economy. Real estate properties, the Forex and the stock market are great places to start when it comes to investing in assets that variably compound over time.\u202fYou also have to consider the amount of capital you\u2019re willing to invest compared to what would be readily available for your fixed and miscellaneous expenditures.\u201d<\/p>\n<h3>Look for Flexibility &amp; Diversity<\/h3>\n<ul>\n<li><strong>Thomas J. Brock, Finance Professional &amp; Financial Expert, <a href=\"https:\/\/www.annuity.org\/\">Annuity.org<\/a>:<\/strong><\/li>\n<\/ul>\n<p>Let\u2019s take a clear example: \u201cMarcus is a fiscally responsible and gainfully employed 26-year-old.\u202fHe is a renter, and he is saving a steady amount of income each month \u2014 on top of a liquidity reserve he diligently accumulated.\u202fMarcus is ready to invest, and we have some tips for beginner investors such as him.\u202fGiven his long horizon, the optimal approach for Marcus is to implement a passive, low-cost strategy focused on growth.\u202fI advocate he acquire exposure to the global universe of publicly traded stocks.<\/p>\n<p>Specifically, he should invest in three distinct ETFs in the following proportions: 54% in a fund tracking the Russell 3000 Index (U.S. market exposure); 34% in a fund tracking the MSCI EAFE Index (international developed market exposure); [and] 12% in a fund tracking the MSCI EEM Index (international emerging market exposure).<\/p>\n<p>Marcus could buy a single, worldwide ETF to achieve the desired exposure. But, three distinct funds will provide him the flexibility to adjust his asset allocation as conditions dictate.<\/p>\n<p>Please note, the proposed strategy reflects a 100% stock-based growth strategy.\u202fGiven Marcus\u2019 long horizon, this is completely appropriate.\u202fHowever, if he wishes to allocate some capital to less-volatile assets, I suggest he carve out 10% to invest in an ETF that tracks the Bloomberg Barclays Aggregate Bond Index.\u202fOver time, as Marcus ages into his 40s, it may be wise to increase the bond allocation.\u202fOn that note, as Marcus\u2019s investment acumen grows, he may wish to explore more complex \u2014 but also potentially more efficient \u2014 portfolio structures, which could include a mix of stocks, bonds, a myriad of alternative investments and cash.\u201d<\/p>\n<p>Most importantly, start by asking yourself what exactly you want from the investments you plan on making, and then research the best ways to do so.<\/p>\n<p>Looking to make a change? Perhaps it\u2019s time for a new rental apartment that better fits your lifestyle goals for this year. If so, head over to <a href=\"https:\/\/www.rentcafe.com\/\">RentCafe<\/a> and check out your options.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Among the goals that many people have for this year, gaining control of one\u2019s finances is sure to be near the top of the list. And, in addition to budgeting and saving money, another aspect that\u2019s closely linked to becoming financially secure is investing. If you&#8217;re looking for tips for beginner investors, we&#8217;ve got you&hellip;<\/p>\n","protected":false},"author":148,"featured_media":112841,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[38969],"tags":[38980],"class_list":["post-112840","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting","tag-budgeting-tips","gallery-content-unit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.4 (Yoast SEO v24.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Here Are the Best Tips for Beginner Investors - RentCafe rental blog<\/title>\n<meta name=\"description\" content=\"Do you want to start investing and you don&#039;t know how? 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