How to Invest

The building blocks of your financial journey

What you need to know about investing from the get-go.

When should I start investing?

If you invest now, you’ll have a better chance to realizing a return on your investment. According to the Social Security Administration, Social Security benefits will only cover about 33% of the cost of the average American’s retirement. The rest will have to be filled in by personal savings and return on investments.

There’s more to invest for than retirement. Investing can also help you buy a home, travel, start a dream project or even pay your bills in the future. If you invest in the stock market, you’ll have a better chance of watching your investment grow over the long term. And if you invest in bonds, you can benefit from a steady stream of income. Investing is a long-term venture. Short-term profits are elusive – and often illusory. The longer investment horizon you’re willing to cultivate, the better chance you will have to realize extended annualized returns on your investments.

When you’re at different stages of your life, you will likely have different investment goals. When you’re young and have most of your earnings years ahead, you may want to build up capital to safeguard your future. Later, if you get married and have children, you may prioritize supporting your family as well as planning for your children’s college educations. As you get older, you’ll likely focus on financing your retirement. When mapping out your investment plans, consider which primary goals you want to focus on at your current age.

How do I build an investment strategy?

Just as you can’t build a house without a blueprint, you should formulate a strategy before you start investing. First, set aside some money to invest in your future. Begin investing now and educate yourself so you can take the calculated risks necessary to get a desirable return on your investment.

How do I build an investment strategy?

  • How much money am I willing to invest?
  • What kinds of investment vehicles would work best for me?
  • What kind of asset allocation should I choose?
  • How should I balance my investments and protect against risk?
  • What sectors are the most attractive right now?
  • Am I particularly interested in investing in a specific geographic area?
  • Am I interested in socially responsible investing?
  • What’s my risk tolerance? If I incur losses, when I should change direction?

What are some popular investment options?

Popular investment options today include stocks, crypto, gold, bonds and ETFs, which are all registered with the U.S. Securities and Exchange

Commission (SEC)

  • Stocks are shares in the ownership of a company. Also known as equities, they’re heavily regulated by the government and most can be bought and sold on stock exchanges.
  • Cryptos are digital currencies that can be exchanged online for goods and services. Many companies have issued their own currencies, often called tokens, and these can be traded specifically for the good or service that the company provides. Think of them as you would arcade tokens or casino chips. You’ll need to exchange real currency for the cryptocurrency to access the good or service.
  • Cryptocurrencies work using a technology called blockchain. Blockchain is a decentralized technology spread across many computers that manages and records transactions. Part of the appeal of this technology is its security.
  • Bonds are based on debt, and they’re created when an investor loans money to a company or governmental entity to finance projects and operations. They’re known as fixed income instruments because typically they pay out a regular (fixed) amount (income) to investors.
  • Mutual funds are investment funds that take money from many investors and put it into stocks, bonds, money-market funds or other securities or assets. When you buy a mutual fund share, you own a piece of the fund’s investment portfolio.
  • Exchange traded funds (ETFs), like mutual funds, are invested in stocks, bonds, money-market funds or other securities or assets, but investors don’t own direct shares of these funds. Only authorized participants (financial institutions who double as broker-dealers) own direct shares of these investment funds. But these authorized participants in turn offer shares to investors that can be bought on a stock exchange. To learn about the net asset and issuance flows of mutual funds and ETFs, visit the Investment Company Institute.

What are some popular investment options?

Popular investment options today include stocks, crypto, gold, bonds and ETFs, which are all registered with the U.S. Securities and Exchange

Commission (SEC)

How much do I need to start investing?

You can invest in an ETF for less than $100, while mutual funds often ask you to invest at least $1,000. A share of stock can range in price from a few dollars to several thousand dollars. Mutual funds and ETFs can be wise long-term investments; since they both invest in many companies, risk is spread out and you’re exposed to a wider range of asset allocation.

How to invest with Itrust Investment

At Itrust Investment, we partner with financial professionals across the World to ensure they have the proper tools and materials to assist you in building a financial plan and investment portfolio suited to your goals. We strongly encourage you to work with a financial professional.

How to open an Itrust Investment account

  • Select the appropriate application to open your Itrust account, such as opening an investment account. If you don’t see the form or application you need, please contact us.
  • Complete your application, review it with your financial professional, Make a deposit using a preferred deposit method by your financial professional

Once we establish your account, we’ll send you a confirmation statement detailing your account number and confirming your investments with us.

How to consider investing decisions

When you’re considering your options for investing with Brexits, either through a financial professional or direct access, it’s important to consider the benefits associated with each option. Review this investing checklist before you make your final decision:

  • Have I weighed my available options? Have I considered the full range of investment solutions?
  • Do I understand both the risks and rewards associated with a particular investment?
  • What’s my risk tolerance? How much am I willing to lose?
  • Have I read the prospectuses of the products I’m interested in investing in, so I understand all of the ins and outs?
  • Have I discussed any ideas or concerns I have about investing or about a certain product with an investment professional? Did I take notes during the meeting for future reference?