Your Questions About Investing For Beginners

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Donald asks…

Thinking about getting into stock trading. What is the best site fore beginners?

I have no experience and I want to study up before I get into anything to hastily.

What is the best site for tips and advice?
What is the best site for beginners to invest on?

financi4 answers:

Hey dude If you want to Trading in Stock Market and invest on shares than i have a site which provides the full knowledge of share market. I have also no experience but this site is very helpful for me and provides the Free Share Tips. So you also check this site :

James asks…

What is the best way to learn about investing for a beginner?

I would like to be able to make decisions regarding my retirement accounts. What is the best way to learn about investing?

financi4 answers:

How old are you? The first decision to make right now is that you will put the maximum amount in an IRA every year. If you are married, then make sure your wife sets up her own IRA account and puts in the maximum amount every year. An IRA is like an egg shell. Inside that egg shell all your money is tax protected until taken out at retirement age after 59 and starting no later than 70 years and 6 months. If you set the IRA up with a discount stock broker, you can do stock trading inside the IRA. $5,000 is the max deposit in an IRA when you are younger than 59. That $5,000 is considered as coming from your earned income for the year. So it is not counted as income on your tax return, If you are only in the 15% effective tax category, that means you will get $750 more in your annual refund check or, pay $750 less in taxes. So you automatically get a 15% return every year. That’s why it is called the ‘no brainer’ investment. Talk to someone at H&R Block.

If you are a veteran, then the second thing you need to do is set up a stock brokerage account with USAA in San Antonio, Texas. You should also do all your banking, credit card, car insurance and life insurance with USAA. No one, and I mean no one, will give you cheaper prices and better service on anything. They have been Number 1 in customer service for years. They are so superior to anyone else it is almost a joke to claim second place. USAA will save you thousands in a life time..

The third thing you should do is buy the book Investing for Dummies. Read it at least three times. When you come to words and phrases you do not understand, you go to a site called Investopedia where they are defined in words and terms you do understand. Other than that, pay attention to financial news every day and don’t be too anxious to make an investment until you feel comfortable doing it.

BTW. Get your IRA account with a discount broker now. Your deposits can sit in a money market account inside the IRA until you learn about what to invest in. A maximum $5,000 deposit sitting in that IRA will get you a 15% return. Not bad for a beginner.

Chris asks…

What would be the best investing method for a beginner?

I’m 13 don’t have much money and I’d like to know what you all think would be the best way to invest for a beginner who would like to start investing but only wants a little bit of money return for the first time around.
If you think Obama will crash the market should I short sell?

financi4 answers:

At 13 get a CD at a bank that is FDIC insured.

Then, research how the stock market operates.
Go to, locate the “How To Invest” section, and click on “Investor’s Corner”.
Click on “View Archive”. Read the articles in the archive. is another good website for stock information. is a good website for DRIP’s. is a good website for options. is a good website for ETF’s.

Michael asks…

What is the best, up to date website for a beginner on investing in a 401k?

From how to get started, to how to cash in would be helpful

financi4 answers: is a great start!!

Steven asks…

Advice on investing for beginner?

I am 17 years old and very interested in investing but really have no clue where to start or what method is best to learn information on investing. Any tips or advice on how/where to look for information would be much appreciated.

financi4 answers:

Well very broad question here 🙂
But it’s great to see you’re interesting in learning about investing..

The above link has a very comprehensive introduction to different types of investments, I would start there and delve into one of the specific types further that you’re interested in.
Investing can be as simple or complicated as you make it, you could hire a financial advisor or use a company’s investment program, alternatively you could go on your own and analyze investments for yourself.

Once you determine what route you’d like to take I’d be happy to assist you in the next steps.

Joseph asks…

what is something simple and easy with a decent return for a beginner to investing to invest in? $1000?

i want to start investing some money but start out small ($1000) and am willing to take risks for better and faster returns.

financi4 answers:

Jasper is right, invest in your retirement. Open an IRA and contribute yearly. Depending on the IRA you can defer taxes now or when you are 59.5 and are eligible to use the funds again. If you are hell bent on stocks, buy an index fund that tracks the S&P 500, and hold onto it for several years. Stay away from individual stocks, you don’t have enough money to afford any risk.

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