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First Steps! Your Path to Your First Investment

28/02/2025

Open a Brokerage Account – Your Investment Wallet

Before you can buy stocks or ETFs, you need a brokerage account. This is your digital investment account, where your stocks and ETFs are stored. 

With most brokers you can invest from as little as 10 euros, so without much risk, start today and make yourself financially independent

How to Open a Brokerage Account:

✅ Choose a provider: Pick a bank or online broker available in Ireland. Good options include:

  • Trade Republic TRADEPUBLIC.COM/EN-IE 

  • (low fees, beginner-friendly)
  • Degiro WWW.DEGIRO.IE
  • (wide selection, low costs)
  • eToro WWW.ETORO.COM
  • (good for stocks & ETFs, easy-to-use app)
  • Interactive Brokers
  • (for more advanced investors)
  • Ask your Bank, maybe they can make a special offer for opening a Brokerage Account

✅ Sign up & verify your identity: Register online with your details and verify your identity (e.g., with your passport or driver's license).

✅ Deposit money: Transfer your first amount into your brokerage account—this is your starting capital for investing.

Choose an ETF or Stock –

What Do You Want to Invest In?

ETFs – The Easy Option for Beginners

An ETF (Exchange Traded Fund) is a bundle of multiple stocks. This way, you automatically invest in several companies at once. Perfect for beginners!

🟢 Popular ETFs for beginners:

  • MSCI World ETF – invests in over 1,500 companies worldwide
  • S&P 500 ETF – invests in the 500 biggest U.S. companies
  • FTSE All-World ETF – widely diversified, including emerging markets

                 

These ETFs allow you to diversify your portfolio and reduce the risk of overexposure to U.S. stocks. Some focus on specific regions or countries, while others offer broader international diversification. It's important to understand the objectives and strategies of each ETF to ensure they align with your investment goals

. 

Why ETFs? They are low-cost, diversified, and require little time or knowledge.


Stocks – If You Want to Invest in Specific Companies

You can buy individual stocks if you prefer to invest in specific companies.

🟢 Examples of well-known stocks:

  • Apple 🍏
  • Amazon 📦
  • Tesla 🚗
  • L'Oréal 💄

💡 Important: Individual stocks are riskier than ETFs because your money is tied to just one company.

Which investment offers low risk

  • Government bonds: relatively safe investment, especially in economically stable countries.
  • Corporate bonds: companies issue bonds that offer higher interest rates than government bonds.
  • Call money and fixed-term deposit accounts
  • Call money account: flexible and secure, but low interest rates.
  • Fixed-term deposit account: higher interest rates than call money, but your money is tied up for a certain period of time.
  • Precious metals (gold, silver, platinum)
  • Gold is considered a "safe haven" in times of crisis.
  • Silver and platinum are also popular alternatives, but have greater price fluctuations
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