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You Need To Invest in Their Early Twenties

Updated on January 30, 2017

Millennials on the Run!


Where is you money going?

Since America’s slow recovery from the 2008 recession, it seems there is a lingering negative sentiment by those in their twenties and thirties to invest in the stock market. After experiencing an astonishing and devastating stock market crash, it is no wonder why Millennials have avoided the risky market. With just twenty six percent of adults under thirty investing in stocks, many wonder how the next generation will invest and what the possible impact maybe once Baby Boomers begin to withdrawal their retirement funds and prosperous investments.

Growth of Microsoft in 30 years


A Generation Missing Out

Though Millennials worries are warranted, their actions now may prove to be a significant mistake down the road. There is no better time to invest in stocks then when one is young and has only themselves to worry about. Though there are many risks in the market, with proper researching and advice from financial experts, one could make a great fortune by buying a company now and letting their investment mature for twenty or thirty years. A great example of such growth can be seen in companies like General Electric, who saw a steady rise since the 1990's, with two steep declines in 2001 and 2008, but continued to pay dividends and have more than tripled in value over the twenty five year time span. Such growth can be seen in hundreds of corporations listed on the DOW and NASDAQ. Investing early has made millions of Americans quite wealthy and allowed many Baby Boomers to retire with ease, even after experiencing such a recession.{"range":"max","allowChartStacking":true}

It is hard to imagine retirement when one is several decades away from such a day, but the fact is, we must begin a retirement plan as soon as possible. Social Security will not allow one to survive at its current funding and the will most likely stay that way for the foreseeable future. Those retiring now are doing so happily due to their prosperous 401k plans and investment strategies, many of which began in their twenties.

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There is Hope for Those who have Weak Stomachs!

Investing is not for the lighthearted, but when taking a long position in a company that is well-known and financially sound, there should be little to worry about, even during recessions. It is always important to keep up to date with any news that may come out about your company and to be aware of possible falling profits, which is a sign that rough waters may be ahead for your company. Saying this, I do not want to push one away from invest, but to merely be prepared for all possible events. To alleviate some of the risk and worry, it may be best for some to invest in a mutual fund, which may prove to be less profitable, but should still show significant increase and has well-trained professionals handle your money.

Investing is the heart of our nation, with billions flowing through businesses yearly. Millennials cannot miss their opportunity to build a healthy portfolio. Saving accounts are wonderful but the .0015 interest rate will do little for your wallet. When given the financial chance, it is best to put a portion of your money to work, allowing growth to come after several years of maturing.

Investments vs. Saving Account Interest



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    • David Lucian profile imageAUTHOR

      David Lucian 

      3 years ago from Connecticut

      Investing definitely has its risks but can also be an extremely wise way to approach retirement. For someone in their twenties they should look past the day to day movement and realize quality growth comes from strong companies over twenty or thirty years. Thanks for all the feedback!

    • FlourishAnyway profile image


      3 years ago from USA

      You're singing my song. I like picking dividend paying individual stocks and have done well at it. I have my own dumbed down strategy that has proven effective over the last decade.

    • Homeplace Series profile image

      William Leverne Smith 

      3 years ago from Hollister, MO

      Totally agree. Wish I had. Even wish I had held onto the GE Stock I had when I worked for them in my 20s. Would have been worth a lot... but I gave it up for 'current satisfactions' - a mistake, looking back. ;-)

    • Larry Rankin profile image

      Larry Rankin 

      3 years ago from Oklahoma

      Investing has been a scary proposition lately. Yes, there always is money to be made, but historically I don't believe we're living in the easiest time for it.

      Interesting hub.


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