Beginner to Investing - Tips (19M)

Hi all, as per title, I (19M) am pretty new to actually managing a personal portfolio and investing.

Previously I've just stored all my cash in a HYSA savings account as I've been advised to minimise risk until I had more earning potential. For some context, I have roughly $48k in one HYSA account at a 5% p.a (pretty standard) and haven’t invested at all before. This was money accumulated from gifts in the past, a lot of private tutoring on the side, and also summer internships over the past two years. I likely will still be living in home for the next few years until I finish my university degree, so I don't anticipate needing to spend this money on anything else other than saving a portion for emergency fund.

My main goal if I were to invest at this stage would be relatively long-term such that I would be able to save up enough to buy a house in the future.

Should I start investing now slowly into ETFs etc or what would be the best move? I currently have an account on Moomoo and have been investing in broad-based US ETFs (e.g. SPY) and a few individual equities. Thank you all in advance for the advice!

Posted Jun 3, 2026, 1:53 AM UTC

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