ALBANY, Ga. (WALB) — Many Americans are curious about investing but aren’t sure where to begin.

For those new to investing, the concept can feel intimidating, but investing is simply putting your money to work over time. It’s different from saving, which is about safety. Investing is about long-term growth.

With inflation driving up everyday costs, investing can help protect purchasing power.

There are three basic types of investments beginners should understand: stocks, bonds and cash or money market accounts.

One common mistake new investors make is reacting too quickly when markets fluctuate. That’s the time you want to invest more, not cash out.

Fear of risk keeps many people on the sidelines, but Kent Patrick with Bush Wealth Management says risk isn’t just about losing money.

“Starting earlier with smaller amounts of money to invest is actually better than waiting because you think you need to have more,” Patrick said. “So, time is on your side and you can benefit from compounding interest.”

Patrick said investing should be a long-term strategy.

“I would say investing is long-term. It should not be exciting. It actually should be boring,” he said. “And as with any plan, whether it’s a fitness plan or a weight loss plan, the most important type of plan is one that you’re going to be consistent and disciplined with.”

Financial advisors recommend talking with a professional to find the right strategy and account type for your goals, whether you’re saving for retirement or a major life purchase.

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