Here are 3 ETFs to start your investor journey

You downloaded your favorite investing app, but after that, what's next?

If you think you will find answers to investing by simply downloading an investment app, you are wrong.

Because you need a process, a plan before you can start investing, no matter the app.

Problem such a process is not free and might require the need to hire a financial advisor, a professional regulated by FINRA or the SEC.

This is out of reach for most retail investors, and honestly they don't really need such a service for the amount of money they need to invest.

And there is a much simpler way to start your investor journey.

Here is where you could start investing without taking much risks:

1. Buy the Market, ie the S&P 500 (SPY or VOO), this is a no brainer. You don't know where to invest? just buy the top dogs in the market. It's priced efficiently, and this is what all investors should have in their portfolios at minimum.

2. Buy the Nasdaq-100 (ex: QQQM), these are super growth companies you don't want to miss. It's a little bit risky but in small doses it can spice things up for your portfolio long term.

3. MidCap ETFs (ex: VO or IJH), this where the future stars of the S&P 500 are hiding. You can add those in small doses in your portfolio, they will not hurt. Once you are more comfortable with taking risks and getting more returns, you can increase your allocations to MidCap ETFs up to 20-25%.

Some retail investors like to focus on only 1 ETF, and buy all the corners of the market with Total Market ETFs like VTI. It's a simple strategy but I think it's quite boring and you might miss the performance of MidCaps and Nasdaq-100 stocks because of the BigCap dilution effect of the Total Market ETFs (the S&P 500 is 60-80% of the Fund)

I didn't mention International ETFs like VT or VXUS because I think they are too risky for a new investor and also poor performers long term, so you don't want to shoot yourself in the foot when you start your investment journey.

Hope that helps any new beginners out there.