Investing is a very complicated subject. You will need to do a lot of research and a lot of learning and be much disciplined in order to make good investments. Here are some smart ways to get started with investing:

Determine the goal of your investment; is it for retirement, college fees for children or to earn from your savings? And for what period of time are you investing?
How much money are you going to invest?

Determine the risk you are willing to take. Some investments are high risk but offer a higher return whereas low risk investments give a lower return. You can determine which investment to go for depending on the risk you are willing to take.

Diversify; don’t invest all your funds in one investment.

These are some common investment options:

Short term, low risk: savings accounts, short term bonds and CD’s

Short term, high risk: individual stocks, mutual funds

Long term, low risk: individual stocks, mutual funds, IRA’s

Long term, high risk: long term bonds

You have taken the first step in deciding to invest, take step by step and you will soon be on top of the game.