It’s been a tough year for everyone. In such financially uncertain times, it’s important to begin looking forward so that, no matter what, you’ll know you’re taken care of. That’s where Helena J. Conley comes in. At Money Educator, it’s our belief that not only should you learn to make your money work for you, but learn to invest in yourself while doing it–investing 101, so to speak.

Investing 101: 5 Things Beginners Should Know About Investing

1. Investing Is Not Gambling

The first thing that most people think of when they hear “investing” is the stock market. Stocks, bonds, futures, it’s all just gambling, right? Wrong. Any seasoned investor will tell you that if you’re unsure about something or even nearing the border of gambling territory, you’re doing it wrong. But, why is that?

Well, it’s quite simple really: investing is research, research, research. The reality is that the majority of time spent investing is not executing trades, but reading. Indeed, whether it’s parsing through historical pricing data, or pouring over articles about geopolitics on your lunch-break, you’re participating in the most important aspect of investing.

From countries passing new laws and companies changing leadership to the scientific community announcing new and breakthrough research, anything and everything can affect the worth of an investment. So, it only makes sense that the more up-to-date you are on current events, the better equipped you are to make intelligent choices in your investments.

2. You Have Complete Control

You’ve decided to begin investing. You throw some money at the stock market, it’s gone forever, and hopefully, it will throw some back at you: isn’t that how it works? Thankfully, no; at no point in any investment is your money “gone forever”. Can your investments produce negative returns? Of course–that’s the nature of the beast, but you have the power to reclaim your money at any point before that happens. The trick is knowing when that is.

Now, that being said, some financial options like CDs or IRAs do penalize you for taking your money out prematurely, but isn’t it nice to know that your money isn’t always locked up and out of reach? Small penalties are worth the ability to access your money in emergencies. Not to mention that if you don’t take your money out early, it will be making substantially more for you than if you had simply left it in a savings account.

 3. Passive and Active Investment

One of the best parts of investing is the ability to choose a passive or active investment. Where active investment would be things like day-trading stocks and options, passive investment would be things like dividend stocks, bonds, and more long-term approaches to investment.

For the majority of people, passive investment is the route most taken, and why shouldn’t it be? You’ve worked hard for money all your life; it’s about time your money worked for you. Another great aspect of passive investment is that it requires very little effort once it’s begun. With family and a full-time job, worrying about short-term investments can add a heap of undue stress into your life, not to mention the mental energy required to sit down and research your next move every day.

Passive investment options only require research in the beginning. Once that’s done, and money is invested, you’re free to sit back and watch the dollars roll in.

4. You’ve Probably Already Invested Without Knowing

It sounds strange, but it’s true. Do you participate in your company’s 401K program? If so, congratulations: you’re an investor. Do you have some cash tucked away in a savings account for the future? Again, congratulations, you’ve invested. Seems a little less daunting to pursue investing when you realize you’ve been already been doing it for years, doesn’t it?

Of course, investing in the strictly financial sense isn’t all we at Money Educator focus on. Investing in yourself and your skills is just as important. If you’ve taken any classes, learned something new that may help you achieve success, or any number of other things that would generally improve the quality of your personal and professional lives, then that, too, is an investment.

5. You’re Not Alone

While all this may seem appealing, maybe you feel that you still don’t have the time or energy to devote towards investing, and you know what? That’s okay. Personal investing isn’t for everyone, and there are plenty of people that feel the same way as you do. There are financial institutions that cater to that exact demographic.

You may have heard terms like hedge funds, mutual funds, or money market funds thrown around but aren’t quite sure what they are or what they mean. In the most basic sense, these are investments that are professionally managed by professional investors, or managers as they’re called. The differences between are what sorts of investments are included in the portfolios and how much risk you’re willing to incur.

So, what does that mean for you? In essence, it means that you’d allow these managers to invest your money for you. For a percentage of the gains made in the fund, the manager pools the money of all the investors and invests it down various avenues: often referred to as diversification. If you’re willing to pay for the convenience and the expertise of an industry professional, considering investment into a fund may be the perfect option for you.

Money Educator and You

All of that is well and good, but even if you wanted to pursue any of those options, where do you actually start? The simplest way is to consult Helena J. Conley. For nearly a decade, Helena has specialized as a Personal Finance and Living Benefits Specialist, helping to transform the lives of individuals, families, and business owners alike.

With Helena’s help and training, you can receive guidance in the following areas:

  • Retirement planning – how much do you need to personally save for retirement for maximum quality of life down the line?
  • Investing – learn to set realistic goals, expectations of risk, timelines, and more
  • Budgeting – understand the critical skills needed to stabilize your personal finances
  • Asset analysis – assess the worth your belongings and the impact of taxes, inflation, and risk
  • Insurance analysis – understand the different types and benefits of various insurance plans and if you qualify

All of this training is delivered one-on-one or in group Zoom video sessions with Helena personally. Additionally, you receive 24/7 access to all of Helena’s recorded training videos, over 15 digital PDF presentations, as well as Helena’s personal cell phone number for truly personalized guidance.

So, why wait? Contact Helena and Money Educator today or give us a call at 213.441.4646 and get started on the path to financial independence today.