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There is no certain time that a person should decide on when deciding to start investing even with the the economy getting worse and worse. There is also no particular product that you start investing your time and money in. One of the best things a person can do is to analyze all the investment options that are offered and choose the one that fits you and your budget the best. The number one thing a person looking to getting started in investing could do is to first learn the stock market investing basics and get as much information as possible from different very well known sources.

The longer you spend in investing, the more you will come to know about the ins and out of investing. Beginner stock market investing is listed on tons of great website's that can help you along the way. Starting simple is one of the best things a person can do with their money when investing. It is a good idea to start investing in smaller funds first and then expand when you feel comfortable. Before investing in the stock exchange, you need to be aware that there are so many distinct avenues to acquire so make sure to choose the right one for you.

The first thing that a beginner in stock market investing should do would be to sit down and figure out what your investment goals are - be it big or small. Some questions that you may want to ask yourself are:

- Are you going to be investing in the short term or the medium term?

- Need to invest so you can retire?

- Are you investing so you will have money before you retire?

- Are you saving up for your childs college fund?

Those are just a few questions a person could ask themselves before diving right in. There are also many different types of investment accounts that you may want to start investing your money is when starting such as:

- Certificates deposit

- Discount Brokerage

- Brokerage - Full Service

- 401K or 403B

- Traditional IRA

- Roth IRA (investment retirement accounts)

- Coverdell IRA (this usually used for educational purposes)

- Plan 529

Again those are only a sampling of what is out there for investing purposes. Be sure to take a closer look at all choices before beginning your investments.

Once your investment accounts are open and you have put your money in, it is time to set off on the investing process. Some great investing tips that you may want to follow would be to:

1. Choose your levels that you want to invest in.

2. You will want to choose your asset class to invest in. Such as money market accounts or CDs.

After you have finally pinned down where you prefer to invest, it is then time to decide on the actual investment. Shopping around for the best rates possible on CDs will help you to gain the most money possible. You may choose to visit banks or brokerages when it comes to investing in money market accounts to see which one is offering the best deals.

Trading stocks is the most popular investment. Since you are a beginner, it is a good idea to start with stock mutual funds. If you are nearing retirement age then the you should look into investing in Bond Funds. You can of course use them if you are young but they are mostly done by the older generation.

Taking the time to sit down and learn the most things about investing with benefit and make you more money than just jumping right in. It is very important to remember that the stock market is very risky and there is no guarantee that you will make any money. Just know that loosing what you invest in is very possible.

For someone who is a novice in stock market investing you may want to speak to a couple banks or securities firms. They all have good staff who are dying to help you. The stock market can be a very lucrative thing just take time to discover as much as possible so you will be sure to benefit from it in the end.