Monthly Insights

A quick hitting financial insight to build better financial habits. 

by Daniel Heidel on January 13th, 2025

Key note - Fundamental Investing Tips 

Investing is really exciting for some and the most paralyzing decision process for others. Today I want to give you some tips and access to information so that investing becomes no more difficult of a chore than making your dinner plans. Simple and strategic often outperforms fancy and inconsistent - this applies to most things in life but especially when it comes to investing. Start early and find an unbiased third party, like a financial planner, who will evaluate investment decisions.

Let’s dive into the world of investing! As young professionals or pre-retirees, starting your investment journey now can set you up for long-term financial success.

First, understand the basics: investing means putting your money to work to earn more over time. A great starting point is contributing to a retirement account like a 401(k) or an IRA. If your employer offers a 401(k) with a match, take advantage of it—if you don’t then you are leaving money on the table! There are also IRA’s with both traditional and Roth components and non-qualified accounts. These different account types are simply envelopes that tell the IRS how to tax the money inside. I strongly suggest finding a financial planner, like myself, that has a knowledge of tax planning to help you optimize your savings allocations. There are accounts that have immediate tax savings benefits, but these accounts can also have profoundly negative impacts on your future retirement tax rate. 

Learn about different investment options: stocks, bonds, exchange traded funds and mutual funds. Stocks offer higher potential returns but come with risk, while bonds are generally safer but yield lower returns. Diversifying your investments can help balance these risks. Keep in mind that diversifying does not mean having 20 different accounts with different managers, but rather investing in many different asset classes and in accounts that have different tax classifications. Find an advisor that you trust and like working with, then stick with them. They will be able to help you become properly diversified across global markets and asset classes. Also be weary of people that suggest you just buy one index or any one-size-fits all investment strategy. Each financial plan is unique and requires perspective, so advice like this can be damaging if not just misleading. 

Consider starting small—investing doesn’t require a fortune. You can use financial calculators online with Time Value of Money functions to see what amount you need to invest to reach your goals. As a young financial professional with a desire to help other young professionals getting started in their careers and pre-retirees looking at the final stretch, I offer a unique service which can help you get started with professional wealth management without barriers to entry, such as minimum asset requirements or high internal costs. 

Educate yourself on market trends and don’t hesitate to consult a financial advisor for tailored advice. Avoid investing based upon the emotion of what your friends say is the hot stock to buy or what the news is saying about the company. The sooner you start investing, the more time your money has to grow. Visit my website below to book a time to chat or explore the free financial planning tool. 

Click here to book a free consultation

Integritas Wealth Strategies, LLC 

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