How to start investing? With your goal
For advanced investors
Investing for beginners: Asset allocation & diversification
Before you start buying investments, figure out which kinds of assets fit with your plan. And make sure to take advantage of diversification to lower your risk.
Remember, watch out for costs
All investments have costs, but you control them by choosing what to buy. It's a much bigger decision than you might think.
Don't forget to pick an account type

The money you make on your investments will most likely be taxed, but how and when it's taxed depends on the kind of account you have.
Get more from Vanguard. Call 800-523-9447 to speak with an investment professional.






Saving for retirement or college?
See guidance that can help you make a plan, solidify your strategy, and choose your investments.

Already know what you want?
From mutual funds and ETFs to stocks and bonds, find all the investments you're looking for, all in one place.
REFERENCE CONTENT
Risk
Usually refers to investment risk, which is a measure of how likely it is that you could lose money in an investment. However, there are other types of risk when it comes to investing.
Returns
The profit you get from investing money. Over time, this profit is based mainly on the amount of risk associated with the investment. So, for example, less-risky investments like certificates of deposit (CDs) or savings accounts generally earn a low rate of return, and higher-risk investments like stocks generally earn a higher rate of return.
Asset class
A major type of asset—stocks, bonds, and short-term or "cash" investments.
Diversification
The strategy of investing in multiple asset classes and among many securities in an attempt to lower overall investment risk.