Beginner investors in 2025 can start with 401(k) plans, robo-advisors, target-date funds, index funds, ETFs, or investment apps.

For those starting to invest in 2025, there are several accessible options to consider, suitable for various financial goals and risk levels. One of the most straightforward steps for beginners is using a workplace retirement plan like a 401(k), which encourages disciplined investing through automatic paycheck deductions. Matching contributions from employers and tax benefits further enhance the appeal of these plans. If no 401(k) is available, individual retirement accounts (IRAs) present an alternative. For those seeking a more hands-off approach, robo-advisors offer automated portfolio management at relatively low costs. These services rely on algorithms to create and manage diversified portfolios, catering to those who prefer minimal involvement while still gaining exposure to the market. Another beginner-friendly choice involves target-date mutual funds. These funds automatically adjust holdings based on a projected retirement year, incrementally shifting from higher-risk stocks to safer bonds as the date approaches, making them a straightforward option to set and forget. Alternatively, index funds and exchange-traded funds (ETFs) are excellent choices for passive investment strategies. While index funds replicate market indices and often have lower fees, ETFs function similarly but trade like individual stocks, making them a cost-effective and flexible investment vehicle. Lastly, investment apps such as Acorns and Stash cater to novice investors by enabling small-scale, automated investments and providing educational tools to help develop investing habits. These platforms simplify the process and often allow users to start with minimal funds. Regardless of the option chosen, it's crucial to align investments with personal goals, time horizons, and risk tolerance while making informed financial decisions to build lasting wealth over time.