The Beginner’s Guide on How to Start Investing in Stocks

Like most people, I’ve always wanted to travel and explore the world.  But traveling costs money and in my early days after college, most of my money went straight to rent, bills, and student loans.  I couldn’t get myself to spend months of my savings on just one trip.  If only there was a way to earn some extra income without getting another job. But like you (and Jon Snow), I knew nothing.

Fortunately, with the help of a finance friend, I was able to start investing in stocks and earn some extra cash on the side. This helped pay off my debts and more importantly to me, start traveling.

So here in this very beginner-friendly guide, I will be your finance friend and guide you through the early and intimidating steps of Wall Street.

Topics in our journey to get started in investing are:

Why Should I Be Investing?

Imagine earning a few extra hundred (or even thousand) dollars a year from clicking your mouse or tapping a few buttons on your smartphone. You do some reading about a company, make an informed decision to buy some stock, give it some time, and as expected, money comes rolling in! Your life is instantly a bit less financially stressful and now you can enjoy some of the things you normally wouldn’t be able to, like traveling!

But besides earning additional income, by investing your money, we hedge (or protect) it against inflation. In the past few years in the U.S., the inflation rate has been about 1-2%.

US Inflation Rates 2010-2016

Why does this matter to you?  It means that if your money sits in your bank account earning next to nothing (since most savings accounts only pay out less than 1% interest rates), $1,000 of your money will be able to buy $990 worth of stuff next year ($1,000 x 1% inflation rate = $10 loss).  $980 the year after ($990 x 1% = $9.90 loss).  Your money is losing value even though you’re “saving!”  Calculate this over your lifetime of not investing (and with more of your money that you will be saving) and it’s scary how much you are potentially losing every year.

So besides being able to earn a bit extra on the side to be able to enjoy the things you want in life, by investing, you’re also protecting the money you currently have.

What Is Investing?

Investing in the stock market in the simplest of terms, is buying a share (a piece) of a company at current market price, holding that stock until it rises in value, and then selling that share for the increased price.

For example, if you bought Apple (stock ticker: AAPL) stock for $95 today and sold it a month later for $100, you would earn $5 (or 5.3% return on your money) per share.

But Wait, Isn’t Investing Risky?

Yes, investing in the stock market can be risky! In the same example above, the Apple stock you purchased for $95 could have easily dropped to $90 a month later for any number of reasons, such as lower iPhone sales, legal issues, or a bad economy. 

And besides an individual company’s woes (like our example with Apple), there are also systematic risks, or risks with the entire market. For example, from the end of 2007 to the beginning of 2009, the U.S. suffered a large economic recession due to the housing market collapse. Almost every stock decreased in price significantly, so no method of investing was safe. It didn’t matter which stock you picked, almost all of them endured huge price drops!

S&P 500 - 2007-2009 Recession

Huge price drop from 2007-2009 for the S&P 500 (500 of the most widely held stocks—considered to be the benchmark of the US stock market)

Therefore, you should only be investing extra money that you don’t need for daily or monthly use. So no rent money or anything for utilities and other necessities. Most personal finance articles suggest saving 3-6 months of your salary in your bank account before you use any of your money to invest.  

Understand the risks and do not leave me angry comments about losing money you couldn’t afford to lose! Investing in stocks is not a get-rich-quick scheme. I really wish it was! But this is about investing with good decision-making. No YOLO (“you only live once”) risky bets in the hopes that they’ll win money. That’s called gambling!

No YOLO!

What Stocks Should I Invest In?

So you’re not scared off yet and you think investing could be for you, let’s think about what stocks to invest in. There are many factors to consider when you start investing in stocks, but I’ll break down some of the more basic points as this is a beginner’s guide.  

Your Interests and Expertise

The easiest field to start investing in stocks is in your interests and areas of expertise. Because you’re already knowledgeable in a particular area, you’ll feel more at ease researching and potentially investing in it.

For example, if you work in retail and noticed that a new product was flying off the shelves. You’re constantly busy and sales couldn’t be better. Your company could potentially be worth investing in as you already see firsthand of its current success.

Another example is if you loving playing video games and as an avid fan, you keep track of the most anticipated games. One company is about to release their newest game and based on initial feedback and internet buzz, it’s going to be a surefire hit. This could be another company to invest in, as usually all it takes is one standout game to keep the company profitable for the foreseeable future.

Of course with these examples, you’ll need to do more reading and research on the company before investing, but you can see how initial familiarity can help jump-start your interest in the first few stocks to consider investing in.

Don’t Put All Your Eggs in One Basket

One of the biggest rules for investing is diversification, or simply not investing all of your money into one stock. In other words, don’t put all your eggs in one basket! If something unfortunate or unforeseen was to happen to the company you invested in, like a brand new competitor or some bad global news, then your investment could be in trouble!

By investing in a wide variety of companies however, you limit the risk of one company losing a large portion of your money. To do this easily and without buying a ton of shares in every company, ETF’s (exchange-trade funds) are a good solution.

ETF’s bundle many companies together, usually within a particular theme or sector.  For example, if you want technology stocks like Apple and Google, XLK might be the ETF you’re looking for as its top 5 stock holdings include them. 

Top holdings in XLK

You can search for ETF’s online and because they hold a bunch of different companies, their stock prices are generally more stable.  This is because if one of the company’s stock price drops dramatically, its stock is only a small portion of the entire ETF. Therefore, its decrease (or increase) in price only affects a small portion of the overall price.

For example, Apple is only about 14% of the XLK’s holding.  If the price of Apple drops 30% one day (which is very extreme), it would only cause XLK to only drop 4% (since 30% of 14% is only 4.2%), which of course, still isn’t good news, but nowhere near as devastating as losing 30% of your total investment (if you were to invest solely in Apple).

I could dedicate an entire article about diversification and ETF’s, but for now, this is a good start for a beginner investor. And because ETF’s aren’t as volatile as individual stocks, you could invest in them and not have to monitor them as closely. It can be more of a casual investment.

Supply and Demand

This concept is about the desire (demand) for something that can be purchased (supply). If, for example, Apple just announced a brand new iPhone that would blow the competition away, then demand for the stock would increase (as iPhone sales are a big part of Apple’s total revenue).  If everyone wants to purchase this stock, then this would cause the stock price to increase. And it’ll keep increasing until it is deemed too expensive to be worth it, in which case, demand for the stock will gradually fade.

Cause and Effect

This is using logic to deduce what good or bad can come from certain news and events.  For example, if the price of airline tickets begin to increase, then we can likely infer that the amount of traveling may decrease, which would affect travel companies, like Expedia or Priceline, negatively.  

How Do I Buy Stocks Online?

Now that you have an idea on what stocks to consider, what are the next steps? Now it’s about choosing an online stock broker that’s the right fit for you.  Online stock brokers allow you to buy and sell stocks from their website or app (usually for a fee).  They’re not banks, but if you end up depositing money and never trading, you do earn a bit of interest. So your money can sit there until you’re ready to start trading. And not to worry, online stock brokers require you to verify your identity, so they’re safe and trustworthy.

Stock brokers come in all shapes and sizes, but here at I’m Too Cheap, I’ll be discussing the inexpensive ones.  

OptionsHouse

Cost per trade: $4.95

My personal favorite since it’s cheap (only $4.95 to buy stocks and another $4.95 to sell). Most stock brokers cost $7-10 per trade and the tools offered at OptionsHouse are comparable. And for rookies like yourself, you generally won’t be trading that much in the beginning, so the fees won’t cost you a fortune. My only gripe is that the website and mobile app user interfaces aren’t the most intuitive when you first use them, but they do get easier with time and use.

TradeKing

Cost per trade: $4.95

TradeKing is also $4.95 per stock trade. They are slightly more expensive with options (another form of trading, which I’ll get into in the next section), but the difference is negligible. I don’t personally use TradeKing as I am already satisfied with OptionsHouse, but they do seem to have the better-looking and more intuitive website and mobile app.  

Robinhood

Cost per trade: Free!

Saving the most beginner-friendly for last, RobinHood is the cheapest online stock broker on the market—free! This is perfect for beginners as it won’t cost you anything to buy or sell stock. Additionally, they have highly-rated mobile and Apple Watch apps that look beautiful and are easy to use.  However, I do not personally use RobinHood as they currently do not offer options trading yet (discussed in the next section).

Additionally, if you’d like a more in-depth ranking of different online stock brokers, Reviews.com has a comprehensive article on The Best Online Stock Trading Sites, with TradeKing and OptionsHouse coming in on top for the low-cost options.

What Are Options and Which Broker Do I Choose?

Options trading, without getting into too much detail in a beginner’s guide, is another form of trading that can be more lucrative than stocks, albeit potentially more risky. I do recommend learning options in the future when you’re better versed in stock trading, but most assuredly not at this moment.

So if you want to take your time and just buy and sell stocks for free, then RobinHood is a good broker to start with. Then as you get the hang of trading and investing and want to do more with your money, you can transfer over to OptionsHouse or TradeKing to start trading options.

What’s Next After Selecting a Broker?

After selecting a stock broker, it’s time to deposit your money into your brokerage account. Again, stock trading can be risky, so only deposit a portion of your money that you can afford to lose. There are several ways to fund your account, including linking a bank account, wiring money, and sending a check.  The easiest and most convenient way is linking one of your checking accounts as this allows you to deposit and withdraw any time you want.

How much should you deposit? That’s entirely up to you and your comfort level.  However, do make sure it’s enough for your trades to be reasonably profitable after fees!  

How Many Shares Should I Buy?

Beginners often see a cheap stock or worse, a penny stock (never trade these), and think that because of its low price, they can purchase more shares. But in terms of profit, the number of shares does not matter (not until you start options trading). Instead, base your trades on total cost.

Example A: 

You buy 100 shares of a $15 stock for a total cost of $1500.  Stock jumps up 10% to $16.50!  Your shares are now worth $1650 (100 shares x $16.50), making your profit $150 ($1650 – $1500).  

Example B:

You buy 5 shares of a $300 stock for a total cost of $1500.  Stock jumps up 10% to $330!  Your shares are now worth $1650 (5 shares x $330), making your profit $150 ($1650 – $1500).

Same outcome for both examples since their total costs are the same.

Additionally, if you’re trading on a platform that charges a fee for a trade like OptionsHouse or TradeKing, make sure that your trade is large enough that it will net you a profit after the costs of fees. So for example, a $500 trade is too low since if you buy a stock, that’ll leave you with $495 ($4.95 buying fee rounded up). If the stock’s price increases a sizable 10%, you would only earn about $49 ($495 x 10%). Subtract the fee to sell the stock and you’re left with a paltry $44 ($49 – $4.95 selling fee rounded up). All of that work for such a small profit!  Definitely not worth it.  

Personally, I’d recommend at least $1500 per trade as a moderate gain of 5% can still net you a modest $75 in profit.  Of course, the more you invest, the greater the reward (and also risk)!

Do I Have To Pay Taxes on My Investments?

Yes, as unavoidable as death, taxes are required when dealing with stocks. If you earn a profit during a calendar year, you’ll have to report taxes on your realized capital gains (actual profit from your sold stock, not the potential profit you have from currently held shares). This is usually based on your tax bracket.  However, if you held a stock for a year or more and then sold it, then the tax rate for that is only 15%.  

But what if you lose money from trading stocks?  Then the bright side is that you’ll be able to deduct your losses from your regular income (up to $3000), thus saving you some tax money.

And don’t worry about forgetting to report as usually early in the following year, your brokerage account will remind you to download the tax information before you do your taxes.

How Can I Learn More?

Perhaps the best way to learn more about how to start investing in stocks is to simply read more.  Books about investing and personal finance, business news, finance blogs (like this one), and anything that can help you better understand investing and why stock prices move the way they do.

Additionally, here are some helpful articles I’ve come across for beginners that can ease the learning process:

10 Things You Need to Do Before You Start Investing from The Simple Dollar – Great starting advice for beginners like you to learn right before you’re ready to start, such as paying off credit card debts and eliminating bad spending habits in order to get on the right path of investing.

10 Tips To Help You Start Investing by Money Under 30 – Some quick tips on how to help you get started in investing, including avoiding investing in fads, diversifying (as I’ve mentioned about the eggs in a basket), and more!

Less is More: Keep Investing Simple by A Wealth of Common Sense – Simple guidelines to live by that are helpful for starters. Tips like diversifying (noticing a pattern here?) and reviewing your investments periodically are all key to investing successfully.

And lastly of course, I’m Too Cheap is dedicated in providing beginner-friendly articles on how to invest and spend your money more wisely than the average person. This information, from my experience, is not common knowledge and sometimes, can be hard to find and even intimidating to get into.

Worry not though, as your finance friend, I’m here to help and if you like what you’ve read so far, feel free to subscribe to our newsletter (at the bottom of the page) to keep up-to-date on new articles!

Happy investing and stay tuned for tips on specific investments and strategies!

144 Comments

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  71. Whoever edits and publishes these articles really knows what they’re doing.

  72. Nei miei commenti durante la partita è chiaro che anche a me Hamsik a centrocampo sia piaciuto, perché ha piede buono e sa smistare la palla. Ma se gli affianchi “minchio muscio”, allora a soffrire è la difesa. Un altro capolavoro dell’allenatore.

  73. Daca tema e de actualitate, e ok, chiar daca ai mai scris despre ea si acum 3 ani. In fond, unii s-au apucat de citit bloguri de doar un an. Si, in plus, acum s-ar putea sa vii cu aspecte noi, alte unghiuri ale “problemei”

  74. Thanks for your post. Another element is that being a photographer entails not only issues in recording award-winning photographs but in addition hardships in establishing the best digicam suited to your requirements and most especially hardships in maintaining the grade of your camera. It is very true and visible for those photographers that are in to capturing the particular nature’s captivating scenes – the mountains, the actual forests, the actual wild or seas. Visiting these amazing places undoubtedly requires a dslr camera that can surpass the wild’s severe environments.

  75. Gicela – I did discover a conflict in the plugin with the ‘reply’ link in the comments. This is being addressed in a bug fix release that I intend to release this evening (if all goes well). There are a couple of other bugs addressed and I will be posting information regarding the release later. Thanks for your input!

  76. Try using Vinegar and water, I would make it stronger than normal and let it set for a little while then try wiping it off, Good luck!

  77. Your answer lifts the intelligence of the debate.

  78. Je vis a Montréal depuis maintenant 8 ans et à chaque Noël, je réalise que ma ville natale, Paris, me manque beaucoup. Pour Noël, j’aimerais que le père Noël me paye un billet d’avion aller-retour vers Paris pour pouvoir magasiner aux Galeries Lafayette, me promener rue de Rivoli et surtout pouvoir me payer un macaron à la pistache chez Ladurée…

  79. I much like the precious facts you present into your article content.I’ll bookmark your web log and check once again the following recurrently.I am really convinced I will be taught a great deal of latest things best suited listed here! Fine luck with the subsequent!

  80. bbell,If you think that Obama is going to ban shotguns you’re crazy. That is all I was saying. I wouldn’t be surprised if some gun control measures get passed, especially given the rate at which US gun sales are being used to militarize northern Mexico.

  81. I’m so glad that the internet allows free info like this!

  82. Now I know who the brainy one is, I’ll keep looking for your posts.

  83. avez raison, cela ne colle pas, j’ai appliqué la consigne du « début » au deuxième élément. Peut-être alors est-ce simplement « pots ».Mais je ne sais si l’on met les pots à l’entrée de la cuisine…

  84. Em todo este caso deixando de lado culpas e inocências individuais, que pouco me interessam, ainda só vi um prejudicado, o Sporting Clube de Portugal.Vamos ver se caso se provem algumas das acusações não é também o único condenado…

  85. walah… kalo g lulus TOEFL g bisa skripsi toh? fatal amat… kalo di kampusku dulu, cuma g bisa lulus aja… masih bisa skripsi met liburan ya niek btw, anti spamku “sugar”… karena yang ngasih ini komen manis kah? *tambahan g penting emang * heheheheheh

  86. Votre blog est un salon de thé dans lequel on se sent bien. C’est très agréable de le parcourir. Je viens de recopier la citation de Ch’a Shu que je trouve très juste et qui confirme ce que je ressens.

  87. sano, että haluat tilata ko. tarjouksella ja ilmoita yhteystietosi. You might also like -hommelin saat menemällä sivulle http://www.linkwithin.com. Seuraa etusivun oikealla puolella olevia ohjeita, homma on hyvin helppo. Kyllä mä ainakin olen kuvitellut, että linkkivinkit tulisivat postausten tunnisteiden mukaan, mutta voin olla väärässäkin. Joka tapauksessa tuo on minusta ihan hauska lisä, joka muistuttaa itselleenkin, mistä on tullut kirjoitettua. Santra, EN on kyllä hyvä. Anne & Stiiliä luen minäkin, mutta se onkin sitten ihan erilainen kuin EN. Kummallekin on paikkansa.

  88. Acho o Lily DEMAAAIS! Eu fiquei “namorando” ele nas prateleiras d’O Boticário um tempão antes de comprar e acho simplesmente maravilhoso. Isso de tu colocar o perfume e continuar com ele depois de horas é pra poucos, olha que tem uns BEM conhecidos que não tem duração tão boa quanto a dele! (A história do Prada com cheiro de bisavó é demais! Lembro quando tu postou sobre isso e eu não acreditei, fui lá e comprei, fuééé hahahaha Quem usou ele? A vó! hahahaha)

  89. We decided to come up with a price package to help guide our clients and to tailor their expectations, so we have better understanding of each other. I love the tips given above and have shared it with our team in the office. Thanks PB..

  90. I guess finding useful, reliable information on the internet isn’t hopeless after all.

  91. meu exame diz :BETA HCG :29720.00 mUI/mlmetodo : ELETROQUIMIOLUMINESCENCIAvalor de referencia : mulheres até 5.3 mUI/ml negativo > 5.4 mUI/ml Positivo homens < 2.6 mUI/mlnao sei olhar muito bem a tabela , queria saber se quantas semanas estou , terceira e quarta ? ou sexta e sétima ? me ajude por favor , tenho apenas 17 anos nao entendo muito bem disso , e ainda nao pude consultar .

  92. Essays like this are so important to broadening people’s horizons.

  93. I should verify with you here, which isn’t one thing I often do! I take pleasure in studying a blog that will make people think. Also, thanks for permitting me to comment!

  94. Great post with lots of important stuff.

  95. Phenomenal breakdown of the topic, you should write for me too!

  96. comentou em 8 de julho de 2012 às 16:57. Juliaaaa….To me sentindo excluída do seu site! Não consigo salvar nada no meu petisco….Já mudei de micro e nada!Será porque eu não sou nem ‘it’, nem ‘normal’?kkkkkk (brincadeira!)bjãooo

  97. Bihoreau, indeed, il faudra vérifier l’exacte qualité de la dame proustienne mais il me semble que le Marcelou s’est pris les pieds dans le tapis du salon. vérifierai et vous manderai.Passou, TKT, esthète suisse en chocolat, a raison, vous auriez pu nous mettre une photographie du Somerset jeune… Autre chose que cette mine constipée à la montherlant, retour de drague foireuse sur nuques duveteuses.

  98. Hej Camilla,Det er rigtigt, at bagte rodfrugter har et ret højt glykemisk indeks, men så vidt jeg er orienteret, burde de altså være ok at spise på denne kur. Man kan sige, at det faktisk konflikter lidt med, at man f.eks ikke må have lov at spise frugt. Hvis du spiser mange bagte rodfrugter og dit vægttab går for langsomt, kan du evt prøve at skære dem fra. Jeg vil meget gerne høre om resultatet.Hilsen Sanne

  99. I was so confused about what to buy, but this makes it understandable.

  100. Shoot, who would have thought that it was that easy?

  101. What a joy to find such clear thinking. Thanks for posting!

  102. I’m not quite sure how to say this; you made it extremely easy for me!

  103. This is the perfect way to break down this information.

  104. We often overlook the times when high impact communication makes a difference. Leaving messages on voicemails is a vital form of communication. Such a programme not only prepares participants for the more obvious, formal presentation scenarios but also for the common or garden daily interactions.

  105. Lovely images. I too enjoy the stock photos and would like to use the sustainable one for a non-profit newsletter urging students to take action against climate change.

  106. I think it’s a great idea. When Canada reduced spending so much it started to run a surplus, it started a virtuous cycle. Less debt meant less interest to pay, and less taxation required. Less taxes meant more growth, bringing in more revenue, allowing the Chretien/Martin government to cut spending and taxes at the same time and still see the debt shrink. Just reducing the deficit isn’t enough — you’re still increasing the debt that way. Think big and start cutting the debt!

  107. That’s a smart way of looking at the world.

  108. It seems to me that this website doesnt load up in a Motorola Droid. Are other people getting the exact same issue? I enjoy this site and dont want to have to skip it whenever Im away from my computer.

  109. Mad photo skills, Charles!! Sounds like a great day at camp! Even if I am the only one who leaves comments on here, thanks for the time you put into the blog. I know you are tired and want to sleep before you head to breakfast at 6:45. But I LOVE hearing about how God is doing His thing with our youth. Wish I was there with you guys. I for one wouldn’t miss the Sonic trip in a heart beat! Have a great day today (after midnight, I just noticed) and grow closer to Him!!Love and miss you guys!Kim

  110. Boa tarde, tenhouma duvida,eu tomava a pilula Belara e há dois meses parei de a tomar e nao tive menstruação até hoje, que veio de novo, (começei a ser irregular pois fiquei 2 meses sem ter mentruação e hoje veio com dores) queria começar a tomar de novo a pilula posso começar hoje (1º dia de menstruação )?

  111. Articles like this really grease the shafts of knowledge.

  112. a me piace il grunge, il mio stile si avvicina molto a esso, purchè non cada troppo nello sciatto! ps: voglio diventare famosa solo per indossare anche io le converse sul tappeto rosso!!!!! lastoriadellamoda.over-blog.it

  113. You have not played real Resident Evil until you play Resident Evil Zero, One, Two, 3: Nemesis and Code: Veronica X…. TRUE RESIDENT EVIL, Is being afraid to leave the typewriter room because random zombies are waiting for you… scared to save because you don’t want to run our of typewrite ribbons.. And scarce of Ammo…. Thats a true Resident evil game… one that truly makes you jump..

  114. My current work is supposed to be 3 limited, with several different viewpoint characters. There are places where I find myself sliding from one head to another, which I don't want to do. I personally think omni is difficult to write well.

  115. I’ve been looking for a post like this for an age

  116. Your website has to be the electronic Swiss army knife for this topic.

  117. Sååå flott det ble, Heidi!! Likte fargene kjempe-godt! Nydelige detaljer … Og gavelen; SUPER! Har vært pÃ¥ jakt etter en gammel dør som var tenkt til samme formÃ¥l … i Ã¥revis!?!;DHa en fin helg!! Kos deg i Oslo:))Klem klemANETTE:)

  118. Actually i didnt beleive in sad and when i first heard of it i went oh yeh anotehr excuse for people doing nothing over winter. Until this winter where it was colder than normal and spring has only just arrived a month late and for those few weeks whilst waiting for spring to arrive i found myself getting sadder and sadder yet immediately when we hit the 30's this week it has lifted as soon as the sun hit.So im a sceptic no longer

  119. Voor mij zal je altijd “een ninja in de nacht” zijn Sabec, maar seriously wat een waanzinnige avonturen weer. Ik zie je helemaal voor me op die rots. Sonja eet wel eens marmite, dus ik weet precies hoe ranzig Vegimite ruikt en smaakt…. En aan dit bericht kan maar 1 afsluiter zijn “YEEEAAAHH”!!!Ciao boys en drinkze,Vincent

  120. If there’s one thing this deluge of indignant typing shows – intellectually inbred leftist control freaks get absolutely bent when their fussy little boycotts get countered.nom nom nom

  121. Calla – THANK YOU!!! Our lil’ miss is starting to teeth which can lead to diaper rash and I’ve noticed her bum is a little red, I will def. be trying the Aquaphor![]

  122. Postavy radÄ›ji no cement, protože jestli ti pÅ™iÅ¡ly dobÅ™e udÄ›lané, tak se totálnÄ› neshodneme. Ale tys mÄ›la vždycky divný vkus XDDDNo…jestli jí nerozdýchám, budu jedinÄ› ráda… taková smrt je totiž dÄ›snÄ› fajn vÄ›c XD

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