Betterinvesting

Only about 2% of the amount of assets Voya manages is on behalf of individual investors. Investing in the stock market can be a great way to grow your savings over time. Work with a brokerage to buy and sell stock investments and shop around for one that fits your specific needs. Depending on what you’re investing in and how much shares cost, you can dabble in investing with beer money or pocket change. Apps like Acorn and Robinhood make it even easier for you to invest a little extra spare cash in the stock market. You can also invest larger amounts, of course – although we don’t recommend investing the entirety of your savings in stocks. Investing in stocks can be a sound financial decision depending on your needs and circumstances.

Voya Expense Management largely caters in order to institutional clients in its role as an advisor and sub-advisor. The firm manages the investments of other investment companies. In addition, Voya provides investment management directly to state and municipal governments, insurance companies, corporations, pensions, charitable organizations and banks and thrift institutions.

However, this strategy often involves additional brokerage fees, which can hamper your returns in the long run. It can be tempting to go “all in” on a promising young company that you think might turn into the next Apple or Amazon. However, investing all of your money in a single company is a risky proposition. There’s no way of reliably predicting which companies will be an overnight success. If you guess wrong, you may lose some or all of your investment.

While stocks are often viewed as a safe investment strategy in the long term, nothing is guaranteed. The stock market is volatile, especially in the short term, and can swing wildly in between extremes. If you’re looking to invest your money in the short term, there are usually much more reliable, low-risk investment strategies available.

Investment Review

If you’re looking to grow your savings over the long term (10+ years, ) investing in stocks is a good option. If you think you’ll need the money sooner, investing in stocks may not be your best option. Many people worry about taxes when it comes to investments, but you shouldn’t stress about them too much. When it comes to retirement investments, you’ll pay regular income tax and tax-deferred investments, and your brokerage will usually help. If you’re investing in a normal brokerage account, you’ll only owe taxes on your gains and dividends. A mutual fund is a collection of investments, often stocks.

A common investment strategy is to invest in many different companies to reduce risk. This spreads out your investment and protects it in the case that one company’s stock plummets.