Discover a practical, five-step roadmap for beginners to start investing in 2025, focusing on maximising returns through strategic accounts, diversified portfolios, and consistent contributions.

Investing can be a powerful tool to grow wealth, especially when started early due to the benefits of compounding returns. Beginners should first analyse their financial goals, target timelines, and risk tolerance. Start by either opening a retirement account such as an IRA or a flexible taxable brokerage account based on your needs. Exploring low-cost investments like mutual funds and ETFs is often ideal due to their diverse and manageable nature. Robo-advisors also provide automated support for portfolio management, which can be a good starting point for newcomers. To optimise your returns, focus on consistent contributions, understanding investment instruments like stocks, bonds, and funds, and diversifying portfolios to align with your aims.