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“You have to plan today for tomorrow’s finances.” If only you had a dollar for every time you’ve heard that. But it’s the truth, especially when it comes to saving and investing. Recent reports show that millennials are auto-enrolling in 401(k)s and investing for retirement at higher rates than ever.

Even still, millennials are missing out on opportunities to get involved in the market. With low-cost investing options, it’s easier than ever today to get started.

It’s no secret millennials operate differently than other generations: they stay true to their personal values and see the financial world differently after living through the Great Recession. Along with that comes skepticism about investing and where to get the best advice.

January may be coming to an end, but it’s not too late to get started on your resolutions – or even make a new one. The new year is a great time to think about making a change and dipping your toes into the investing pool. A recent Navy Federal survey found that only 26 percent of millennials turn to their bank or credit union for financial advice. Your trusted financial institution is a great resource for advisor recommendations and education. So ring in the new year with some tips to help guide you get started on crushing your investing goals!

Don’t let risk keep you out of the game.

Some experts predict that the “buy-and-hold” strategy is a way to combat market risk. Buy-and-hold is when you invest in stocks or securities with the intent to hold onto them for a long period of time, instead of buying and selling based on daily changes in the market. It’s considered a solid strategy for more consistent returns over the course of time. If you’re new to investing, this will reduce the need for constant monitoring and transactions from your investment portfolio.

DIY – but have a back-up plan.

If you prefer the do-it-yourself approach to investing for a greater sense of control, consider robo-advisors, mobile apps and other online programs that help you hit the ground running. Take Digital Investor, for example. It’s a low-cost online stock trading account, which is an easy entrance to investing. There are 100 stock options available across multiple business sectors and industries. Plus, you don’t need much upfront to get started. For a low monthly fee, you get unlimited trades. You’ll be able to react quickly to market changes without incurring fees for each trade.

Make it automatic and you’ll make it a habit.

Just like you set up an automatic deposit to your 401(k) each time you get paid, you can set up a similar feature for investment accounts. Even $25 a pay period is a great way to start and it won’t take a huge bite out of your budget. Consider what works best for your budget and lifestyle needs, such as when your bills are due each month and when and how often you are paid to determine the best time for the deduction to come out of your account. You can try something out for a short time to see what works, and don’t be afraid to make some adjustments along the way.

Taking your financial temperature early will help you decide what works best for you, and what’s not working. Once you know where things stand, you can set your goals and find the resources you need to get started!

This article is intended to provide general information and shouldn't be considered legal, tax or financial advice. It's always a good idea to consult a tax or financial advisor for specific information on how certain laws apply to your situation and about your individual financial situation.