金融教育者Sammie Ellard-King分享了面向初学者的三条投资建议。他强调，投资初期应侧重于指数基金，并投资于自己熟悉的领域。Ellard-King在20多岁时开始学习个人理财，并曾在大学期间陷入严重债务。他的理财教育平台“Up the Gains”最初于2021年作为一个博客开始，现已发展成为他的全职事业，并拥有播客和即将推出的应用程序。他建议投资者从简单入手，不必成为交易员，而是专注于跟踪大盘的指数基金，并以长远的眼光看待投资，接受市场的波动。在选择个股时，则应关注自己了解的行业，避免对人工智能等不熟悉的领域进行高风险投资。

📈 **从简单开始，不必成为交易员：** Sammie Ellard-King建议初学者将大部分资金投入跟踪大盘的指数基金，让全球顶尖公司自行发展，避免花费大量时间研究复杂的交易策略。这种方法能让投资者享受市场增长的红利，而无需承担过高的交易风险。

⏳ **接受投资组合的波动，采取长期视角：** 许多新手害怕投资，因为他们预设会立即亏损。Ellard-King指出，即使在临近退休时市场下跌，投资的回报通常也远高于仅将钱存入储蓄账户。克服恐惧的关键在于建立长期思维，规律性地投入资金，并接受市场有涨有跌的现实，着眼于数十年而非数天。

🏢 **投资熟悉领域的股票：** 当决定购买个股时，Ellard-King倾向于投资他了解的领域，如金融科技和电子商务。他建议初学者考虑投资自己工作或拥有相关经验的行业。对于他个人而言，投资人工智能等他不了解的领域，感觉就像在“轮盘赌桌上下注”，因为公司未来的发展方向不明朗。

Sammie Ellard-King is a financial educator with a blog, a podcast, and soon an app.He shared his three tips for people starting out in investing.They include focusing on index funds at first and investing in sectors you are familiar with.

Financial educator Sammie Ellard-King said he first studied personal finance in his 20s.

His financial education platform, Up the Gains, began as a blog in 2021, five years after he started investing, having fallen into serious debt as a university student. It's now his full-time job, with a podcast and soon-to-launch app.

He shared three pieces of advice for beginner investors with Business Insider.

1. Start simple — you don't need to be a trader

"You can make it extremely complicated if you're a trader, but you don't have to be," Ellard-King said. Rather than spending hours glued to screens and options, he recommended mainly investing your money in index funds that track the broader market.

"Just let the smartest companies in the world do their thing," he said.

2. Appreciate that your portfolio will sometimes dip

Beginners often assume they'll lose money as soon as they invest, in part because of the ubiquity of warnings that "your capital is at risk," Ellard-King said.

Even if the market drops close to retirement, you probably still would have done a lot better than if you had put all your money in savings, where the returns are usually much lower, he said.

The way to overcome the fear of investing is to adopt a longer-term mindset: put money in regularly, expect ups and downs, and think in terms of decades, not days, he said.

3. When you invest in stocks, look at industries you know

Ellard-King said he kept most of his money in index funds, but when he does buy individual stocks, he invests in areas, like fintech and e-commerce, which he understands.

Beginners should consider investing in areas where they work or have relevant experience, he said.

For him, buying into AI feels like putting "money down on the roulette table" because he doesn't know where those companies are headed.

"You could do in-depth research and make a conscious decision, but then you're putting hours of your time into this," Ellard-King said, adding you could likely benefit from booming companies' growth through an index fund anyway.