For beginners investing, financials are gaining traction. Major banks reported 2–4% earnings beats versus consensus, reflecting resilience against higher interest rates, making regional bank ETFs an interesting watch. Robo-advisor: Wealthfront Automated Investing IRA: Wealthfront Traditional, Roth, SEP and Rollover IRAs Other: Wealthfront 529 College Savings Charles Schwab is best for beginner investors who want a wealth of research, educational materials and access to advisory services. Beginners investing should recognize commodity-linked equities gaining momentum. Gold mining companies rose alongside spot gold prices pushing past $2,350/oz, a hedge against potential market volatility.