Safe Investing 101:
Getting Started with Invest Safely

Safe investing 101 is not just the basics of buying stocks. When first crafting the page, I figured it would be for beginners. You know, stocks and bonds. But I was way off.

After a few years of investing on my own, I realized that losing money doesn't require any special knowledge. In fact, the more you have, the more you think you know everything.

New to the world of personal finance, investing, and money management?


This page is the perfect place to start your journey through my site. You'll be surprised how many "professionals" don't cover the information you're about to read.

Already on your way to financial success using

Browse the sitemap to see all the site has to offer.

What Safe Investing is NOT

Before we begin, let's get honest:

  1. Safe investing is NOT a "get rich quick" process
  2. If you're making money hand over fist in the markets, congratulations. Enjoy it while it lasts. If there is one thing I have learned about investing, it is that no one has a perfect track record. Everyone loses money now and then. The key is not losing too much when it happens (and it will happen).

  3. Safe investing is NOT risk-free investing
  4. There is no such thing as a risk-free investment. But there are ways for you to limit the risk of any investment.

  5. Safe investing is NOT predicting the future
  6. We cannot predict...we can only prepare. So let's prepare to make money, rather than try to read the tea leaves.

  7. Safe investing is NOT rocket science
  8. You don't need special training to practice safe investing. All you really need is the desire to take control of your finances, and you are good to go.

Why Practice Safe Investing?

I'm sure you work extremely hard for your money. But when was the last time you made that money work hard for you?

From an early age, we are taught to work hard and the money will take care of itself. Unfortunately, very few of us are taught what to do with the money once we have it. Investing, trading, and personal finance are not taught in our schools, so you need to educate yourself.

to educate at warp speed

The Purpose of combines lessons learned in personal finance, money management, and trading all in one place, so you can spend more time enjoying the rewards of successful investing (profits), and less time worrying about your money.

Safe Investing 101

Everyone can ruin their personal finances in a matter of investing 101 needs to change. It needs to be expanded to cover the process of investing and how your investing process creates financial success.

This site is focused on giving you the knowledge needed to making better decisions; educated decisions related to your investments.

Decision making needs more than just data and information; you need knowledge and understanding. And that's where investing 101 comes in...highlighting all the factors that affect your personal finances.

Before making any choices on investing techniques, types of investments to buy, or which trading accounts/investment brokers to use, there are three areas that you need to be familiar with: Personal Factors, Market Factors, and Money Management.

Personal Factors

  • Personal Finance Goals
    • What are your goals related to investing? Proper goals will focus your effort and help you streamline the selection process
  • Risk Tolerance
    • How much money are you willing to have at risk or in the market? Your risk tolerance will affect your position and portfolio sizes.
  • Investor Type
    • What type of trader are you? Your tendencies will affect how you trade and invest.
  • Return Requirements
    • How much profit do you want to make or need to make?
  • Timeframe
    • When do you plan on using your profits (years, yearly, quarterly, monthly, etc.)?

Market Factors

After you've got a good handle on your personal situation, it's time to get the lay of the land. You now need to learn how "markets" can make or break your investments.

Money Management Factors

The third and final aspect of Safe Investing 101 is the most important and least discussed. Even though the following concepts are easy to understand, they are rarely included with the "investing basics" because they are considered a "given".

For example, everyone knows how to buy shares. Right? Wrong. There are lots of different things you can do when you place an order with your broker. And all of them can change when and if your order is executed.

In addition to personal money management and personal budgeting, the following topics will also affect your investments:

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