26% of new U.S. investors own crypto, according to the latest CNBC/MomentiveAI survey. Kr00ney has the details. investinyou (In partnership with acorns.)
"We are in the instant gratification era and often we allow that to drive a lot of our investment decisions, when we really need to look at investing in from long-term perspective," said Matt Aaron, founder and CEO of Washington, D.C.-based Lux Wealth Planning, an affiliate of Northwestern Mutual.
In fact, since most new investors started after the stock market briefly collapsed in March 2020, they have only seen the market go higher, said Tyler Huck, a financial advisor for oXYGen Financial in Atlanta. "It is fun to do when you are making money, but I don't think a lot of these people have seen the other side of it yet," he said.If you want to start investing, first analyze your financial goals and look at your time horizon. For instance, if you are saving for retirement and it is more than 10 years away, you can feel comfortable taking on more risk in your portfolio.
Diversification is more than just having a mixture of stocks and bonds, it's also diversification within those asset classes. For example, within your stock allocation, you may have exposure to large cap, mid-cap, small-cap and international stocks. You should also revisit your investments and rebalance your portfolio if it becomes misaligned with your goals, Aaron said.
While you may want to invest in individual stocks, they are difficult to manage if it is not your day job, he said. However, mutual funds, index funds and exchange-traded funds provide you with a basket of companies and allow you to better manage risk, he said.
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