What kind of investment do you recommend to start investing?

This is not a recommendation, it's not an alert to

Start With an S&P 500 ETF (Best Beginner Option)

If I had to recommend just one place to start:

• Vanguard S&P 500 ETF (VOO)
• SPDR S&P 500 ETF Trust (SPY)
• REIT Real Estate Funds (0)

These ETFs invest in the biggest U.S. companies like Apple, Microsoft, Amazon, etc.

Why this is great for beginners:

• Instant diversification
• Low fees
• Historically ~8–10% average annual return long term
• Simple and low stress

If you're young (like 25, as you mentioned before), this is especially powerful because time is your biggest advantage.

Build an Emergency Fund First

Before investing aggressively:

• 3–6 months of expenses in a High Yield Savings Account (HYSA)
• Safe and liquid
• Protects you from selling investments in emergencies

Then Add Growth

After your foundation:

• 70–80% in S&P 500 ETF
• 10–20% in growth ETF (like QQQ)
• 0–10% in Reit (optional)

If you want crypto exposure:

• Only invest what you’re willing to see drop 50% without panic.

Avoid These as a Beginner

• Day trading
• Penny stocks
• Options trading
• “Hot tips” from social media

These destroy beginners more than they help.

If You Want My Simple Starter Plan

If you had $10,000:

• $7,000 ? VOO
• $2,000 ? QQQ
• $1,000 ? REIT (optional)

Then invest every month consistently.

You can calculate here in this link calculate.easy2invest.org to see more details about investments and growth.

This is not a recommendation.