Learn with Plynk

Gain confidence in your investing knowledge and explore the basics at your own pace.

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Start with the basics

Start investing with just $1

Now you don’t need to have hundreds of dollars to own a slice of your favorite company.

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How to make your money work for you

Take advantage of compound growth by investing your money in the stock market.

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4 smart investing habits

Practicing good habits from the get-go will help set you on the right path.

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Let's keep exploring

Earn article

Here’s how you could earn more on your cash (without buying stocks)

You can still put your money to work even if you don’t want to invest it in the stock market.

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investing fees

Get to know your investing fees

Plynk is committed to full transparency about what fees you pay (and better yet, what fees you don’t pay).

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Learn Crytpo then trade

Learn crypto basics

We'll simplify crypto to help you understand the market.

Karen Harrison

Meet PlynkTM: Maya Sudhakaran

Maya tells us about her role on the team and how she started her investing journey.

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Making plan to sell

Making a plan to sell

Without a plan it can be hard to know when to sell an investment. Learn how to make an exit strategy.

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Building your own investing strategy

Building your own investing strategy

An investing strategy is a plan that outlines how you intend to reach your investing goals.

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bull-vs-bear

Time in the market vs timing the market

It can be helpful to know what happens when stock prices rise and fall and how to think about investing through it all.

Read more about bear and bull market markets
index funds

Diversifying with index funds

Index funds tend to be a low-cost way to spread your money across investments of different sectors, regions, and sizes.

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Karen Harrison

Meet PlynkTM: Karen Harrison, customer experience analyst

Karen tells us why she joined Plynk and shares her favorite customer success story.

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Paying taxes on your investments

Paying taxes on your investments

Learn how capital gains taxes work and why holding onto an investment for more than a year could lower your tax bill.

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5 steps to invest with Plynk

How to keep your cool during market uncertainty

Learn how to avoid making emotional decisions when markets get choppy.

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3 tips to start investing in 2022

3 tips to start investing in 2022

Make this the year you stick with your goal and put your money to work for the future.

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How to find investment ideas

How to find investment ideas

Not sure where to start looking for investments? Plynk Explore can help you find ideas based on your comfort zone and your interests.

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5 steps to invest with Plynk

5 steps to make your first investment

With Plynk’s simple checkout process, you can buy investments in just a few steps.

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How to invest for a big goal

How to invest for a big goal

Knowing what you’re investing for is the first step. What’s next? Understanding your time horizon and comfort with risk.

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What type of investor are you?

What type of investor are you?

There are 2 key ways to invest money in the stock market based on how often you do it and what you want to get out of it.

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4 creative ways to find money to invest

4 creative ways to find money to invest

Looking to uncover extra money in your budget for investing? Try exchanging old gift cards, selling things you don’t need, and taking a closer look at your monthly expenses.

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Drive your change

Road trip recap: PlynkTM drives home impact of small change

Plynk's whirlwind east-west tour connected with thousands of beginner investors.

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Let’s talk stocks—what are they and why would I invest in them?

Let’s talk stocks—what are they and why would I invest in them?

Explore what it means to own stock in a company.

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Plynk Mobile

PlynkTM is hitting the road and meeting new investors

Plynk is driving cross country encouraging Americans to invest for the future.

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What are stocks, ETFs, and mutual funds?

What are stocks, ETFs, and mutual funds?

Learn the differences between these 3 investment types and what to consider when choosing which to invest in.

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Kaitlyn Maloney

Meet PlynkTM: Kaitlyn Maloney, senior content strategist

Kaitlyn shares what motivated her to join Plynk as a writer for new investors.

Read more about Kaitlyn Maloney, senior content strategist
Invest regularly without having to think about it

Invest regularly without having to think about it

Automatic investing can help you streamline your financial decision-making and put good money habits on autopilot.

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Diversification: Why it matters to you

Diversification: Why it matters to you

Spreading out your money across different investments can help you reduce risk.

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Beating inflation through investing

Beating inflation through investing

By investing your money over time, you can increase your “buying power” as inflation drives up prices of everyday items.

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3 reasons to invest with Plynk

3 reasons to invest with Plynk

Plynk will help you explore ways to grow your money—one step and $1 at a time.

Read more about 3 reasons to invest with Plynk

Investing FAQs

What's investing?

Investing is simply defined as using your money to buy something (an investment) with the intention that it could grow in value. With Plynk you're able to invest in stocks, mutual funds, and exchange-traded funds (ETFs). An investment has the potential to return more money to you than you originally spent, if the investment has increased in value when you sell it. But investing is also risky; investments can lose value, which means that you may lose money. Past performance doesn’t guarantee future gains, as you've probably heard before.

How will I know how much to invest?

At Plynk, we know how important it is to be comfortable with your money and how you spend it, especially when you're new to investing! Therefore, it's a good idea to start with an amount that you're comfortable with, knowing that the value of your investment can go up or down. Fortunately, Plynk lets you start with as little as a dollar so you can get started no matter your comfort level. As you learn and feel more confident, you can invest more.

Is 1% of your paycheck too little? Learn about the power of 1.

Consistently saving, any amount, can add up over time. And, whether your saving amount is $1, $10, or $100, investing over time can give your money a chance to grow.

Should I invest a set amount on a regular basis?

Deciding on a set amount to invest on a regular basis is a great way to help you stay on track with your investing goal. In fact, Plynk will offer the ability to set up automatic recurring investments so you can set it up once and feel more confident knowing that you're regularly investing in your Plynk account.

What's a stock?

Stocks are what you hear about most often when people are talking about the “market.” Stock allows you to invest in (or “own a piece of”) a company; each piece of ownership is known as a “share,” and each share is worth a certain dollar amount that changes throughout the day as stocks are bought or sold in real time on stock exchanges. Investing by buying stock in a single company is like “putting all your eggs in one basket,” and may be riskier—but possibly also more rewarding—than investing in a “fund,” like a mutual fund or an ETF.

What's a mutual fund?

Think of a mutual fund as an investment stew. Investments, such as stocks, bonds, and other ingredients are mixed together (some funds may invest only in stocks, or only in bonds) and sold as 1 dish, creating a mutual fund. Mutual funds offer a way to buy different investments packaged together, or served together like a “dish,” and sold together as 1 entity instead of as individual companies. Investments in mutual funds change all the time, as they are managed by a team of professionals who decide which investments to buy and sell. Mutual funds often come with additional fees (some low, some high) that stocks don’t have because professional managers are making the investment selections. The price of a mutual fund is updated at the end of each business day. You can find out more about each fund’s objective and strategies in its prospectus.

What's an ETF?

An ETF (exchange-traded fund) is another sort of investment stew (or for ETFs, more commonly referred to as a “basket”), that mixes together stocks and/or bonds, and sells them for 1 price. ETFs often try to mimic a major stock index, like the S&P 500®, which represents the 500 largest companies in the United States. Since you can’t buy from the S&P 500® directly, and most likely don’t want to buy stock in each individual company, you can buy one ETF “unit” or “share” and invest in all these companies at once, trading real-time like stocks. Doing the same with mutual funds that track indexes is possible, but your mutual fund trade would be executed at the end of the day, and not in real time.

What's a bond?

A bond is essentially a loan; money that you give to a company or the government and they pledge to pay you back in the future with more money than you originally gave them. Bonds are usually lower risk than stocks or funds, which means you usually won’t earn as much as with a successful stock or stock fund selection, but you also won’t usually lose as much as with an equally unsuccessful stock or fund. Bonds, however, have their own risks, such as interest rate risk (as interest rates rise, price will fall).

As I prepare to invest, what are some important concepts I should have on my radar?

It's important to understand the impact that asset allocation, diversification, rebalancing, and risk tolerance will have on your investments in the short and long term.

What's asset allocation?

Asset allocation is putting your money into a combination of investment types—like stocks and bonds—to help spread your risk. An easy way to remember it is, to spread your risk, you may not want to “put all your eggs in 1 basket.”

What's diversification?

Diversification takes asset allocation 1 step further by spreading your money between investment types with different focuses. There are different companies, industries, and business sizes for each investment option on the market—helping you spread out your risk even more. It's what helps decrease risk within your portfolio when 1 company, industry, or business performs poorly. Of course, diversification does not guarantee a profit or ensure against a loss, but it may help smooth out otherwise dramatic changes in a portfolio.

What's rebalancing?

Rebalancing is an essential part of managing your portfolio. Your mix of investments will likely change over time depending on how your different investments perform. Therefore, it's important to periodically review your asset allocation to make sure it still aligns with your objectives and timeline. When it doesn’t, that’s the time to rebalance your investments.

What's risk tolerance?

Risk tolerance is the degree of uncertainty you're willing to take when you invest. It's best determined by considering several factors: how much time you have to reach a goal, your experience investing, how much your goal amount is, your other financial resources, and how much risk (including loss) you’re comfortable taking.

What's micro-investing?

Micro-investing involves investing small amounts of money (even $1) to buy fractions of a share, making it easier for folks who may not have traditionally had enough money or been ready to invest.

Will I be able to micro-invest with the Plynk app?

Definitely! Micro-investing is helpful for investors who don’t want, or can’t afford, to invest a lot of money, regardless of the reason. The Plynk app is designed for beginning investors who often want to start with small amounts of money, so it’s a great fit for micro-investing.

What's dollar-based investing?

Dollar-based investing allows you to invest by the dollar rather than by the share and can be a good example of micro-investing. So instead of buying 10 shares of a company, you can buy $50 of a company. This method, otherwise known as buying fractional shares, allows you to match how much you invest with the money available in your account. On Plynk, you can buy fractional shares of stocks, ETFs, and mutual funds through dollar-based investing.