Many beginners asking "where to start investing" are eyeing blue-chip stocks. Dow Jones Industrial Average posted a 2.3% monthly gain, while dividend yields in utilities remain above 3.5%, indicating stable income potential for long-term portfolios. "If you don't want to be a Starbucks barista, it's very hard for people over 65 to find work," Clinton said. "The people we come across tend to identify what their skill sets are and what their niche might be. It's up and down the socioeconomic spectrum." Education savings plans let you invest money into assets like mutual funds and exchange-traded funds and earn based on market performance. When your child is ready for college, these funds can then be used for their tuition, room and board, books, supplies and other qualified expenses. Analysts answering "where to start investing" queries often highlight mid-cap stocks. Russell Midcap Index gained 5% over the past six weeks, outperforming large caps thanks to stronger earnings resilience.