A proper investment in stock market require alot of study and understanding, u need to learn how to read the financial report, understanding the market trend, basic economy knowledge, and also strong mental quality (some people can't handle the stress when due to the volitation of stock market and make mistake).

I start investing into fund in my earlier 20's, but the return doesn't really convincing. When I've more capital and I'm more comfortable financially in my late 20's, i start investing into stock market. I'm now stably earning from stock market, but it took me about 5+- years to get me into this status, as what I mentioned above, it took alot of effort to understanding the market. If u think u have the time and motivation for what I mentioned above, u can slowly pickup.

If u think u just simply don't have the time, or mental quality to do it, I would suggest like what many already suggested here, just invest in S&P 500, or NASDAQ 100, create an account and chip in money every month. This is what i would suggest to my friend whoever that think they are not capable to deal with the stock market.

The logic is simple, buying S&P 500/NASDAQ 100 is buying the fortune of US, as long as US still the world's leading powerhouse, their economy will continue grow, we are just ridding the trend by participating. Ofcoz S&P 500/NASDAQ 100 can fall during bear market, but in long term, 10-20 years, it's always grow, unless one day US are no longer the leading powerhouse, then u should reconsider this investment plan.

This post has been edited by ragk: Aug 22 2025, 03:57 PM