How to Invest in Your 30s (2025 Guide)
A list of the Top Brokers for Investing in 2025:
Description of the Best Brokers for Investing in 2025
1. Pepperstone
Best for: Tight spreads and low fees
Pepperstone requires no minimum deposit and offers low trading fees.
It offers fantastic market analysis and trading ideas.
While the educational tools are adequate, the news flow is basic.
Customer service is available via phone, email and live chat, and all queries are answered promptly.
It is regulated by the FCA, ASIC, CySEC, BaFin, DFSA, CMA, SCB.
Pepperstone uses TradingView, MetaTrader 4, MetaTrader 5 and cTrader platforms. MetaTrader is considered one of the best CFD platforms.
It provides access to 25 major stock indices, more than 900 shares CFDs, 21 cryptocurrencies, over 100 ETFs and 17 top commodities. All these assets are offered in the form of CFDs.
75.3% of retail investor accounts lose money when trading spread bets and CFDs with this provider.
2. XTB
Best for: International trading
XTB is a trusted all-around broker, established in 2002. It is regulated by the FCA and listed on the Warsaw Stock Exchange.
There is no minimum deposit for opening an account.
XTB uses its xStation 5 platform, which offers good customisation, search functions and modern design.
As a platform, it has all the standard educational resources and research tools.
It has over 2,000 stocks, though all cryptocurrency trading is paused on weekends.
Overall, the only negatives of XTB are that its fundamental data is limited, and there are high fees for some CFD trades.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 76% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
3. IG
IG is a great share trading platform for beginners thanks to its user-friendly interface and extensive educational resources.
Pros of IG include a wide range of trading instruments and markets, as well as the ability to access multiple account types and trading platforms. The platform also offers a demo account for beginners to practise trading strategies before investing real money.
However, IG isn’t the cheapest share trading platform, with relatively high trading fees and a minimum deposit requirement of £250 when paying by credit/debit card or PayPal.
In terms of additional fees, IG charges a commission fee for share trading, starting from £8 per trade. There’s also a custody fee of 0.25% per year for holdings of £250 or more.
Overall, IG is a solid choice for beginners looking for a user-friendly platform with extensive educational resources, but investors should be aware of its fees and minimum deposit requirements.
Spread bets and CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 69% of IG retail investor accounts lose money when trading spread bets and CFDs with IG. You should consider whether you understand how spread bets and CFDs work, and whether you can afford to take the high risk of losing your money.
4. Coinrule
Fee: Free with a starter account or from $29.99 per month
With its simple, intuitive design, Coinrule is a good choice for those who are new to trading as well as more advanced traders.
Users don’t need to know any code to set their trading rules.
Coinrule is web-based and works across several cryptocurrencies as well as supporting some of the most widely-used exchanges, such as BitMex and Coinbase Pro.
5. Tradex
Tradex is a premier financial services firm that has created a social investment community. With a full range of help available depending on your needs, you can invest and manage your portfolio yourself with the online platform and tools or have face-to-face contact with your Investment Manager.
With Tradex, you choose and buy your stocks, guided by your Investment Manager. These will sit in your portfolio, which is then managed by the Tradex team based on your financial goals, with a strategy devised to help you achieve them. Their smart strategies and sophisticated technology give you broad exposure to different market sectors so you can diversify easily and have more chances to build a strong portfolio.
The membership plan can be paid monthly (25 Euros) or annually (250 Euros). The membership includes:
Personal portfolio manager
Client Portal
Recurring membership
Portfolio management
Personal investment portfolio
Stock recommendations
Weekly appointments with an advisor
Stock trade ideas
Investment set up
Aside from the membership plan, the Tradex blog has a vast range of educational articles about everything from investment basics to things like NFTs and cryptocurrency so you can improve your knowledge and learn more about different investment opportunities.
What Is Investing?
Now you’re in your 30s, you might feel like you’ve missed the boat with investing, but that’s not the case. There is an old Chinese proverb that fits perfectly here: “The best time to plant a tree was twenty years ago. The second-best time is now.”
You might have missed some opportunities to invest in your 20s, but there are plenty of ways you can catch up in your 30s.
Investing can take many forms. As it requires a long-term commitment, choose the option that feels interesting and manageable and that carries a risk that you think is acceptable.
Remember that all investment comes with risk, so don’t let that put you off altogether. Weigh up the options, take advice where necessary and make a decision that’s right for you.
Some examples of investments include before- or after-tax investing, investing in start-ups, stocks and bonds, real estate or buying and selling commodities, like precious metals.
Why Should You Invest in Your 30s?
The ultimate aim of investing in your 30s is to build a nest egg that will see you through retirement and increase your overall personal wealth.
By the time you reach your 30s, you are probably established in a professional role, have paid off your student loan and can comfortably put money aside for investments. With many decades of work ahead of you, you still have plenty of time to build up your investment portfolio and benefit from compound interest.
Compound interest allows your investments to grow over time, beyond the amount of money you put in. Your investments make money, which is then reinvested to make more money, and so on and so on.
The snowball effect means that it grows over time, increases your capital and results in a better return on your money.
How to Invest in Your 30s
Investment is a long game. It’s not about short-term payoffs but about reaching long-term financial goals that will see you comfortably into retirement.
The way you approach investing in your 30s depends on whether you already have investments or are starting from scratch.
If You Already Have Investments:
If you already have investments by your 30s, you’re off to a great start. There are ways you can strategically build upon existing investments or take new opportunities to increase your capital further and spread the risk.
Step 1: Increase Your Savings
Saving a pot of cash is not necessarily recommended as your only method of investment, as it doesn’t keep up with inflation, and your money isn’t working hard enough to generate a return on investment.
However, if you already have other investments, it can be reassuring to have a safety net of money if you ever have an emergency or lose your job.
It is generally recommended that you have enough savings to live off for six months or so, then any capital above this amount can be invested.
Step 2: Consolidate Your Investments
If you’ve already dabbled in investing, you might have multiple investments spread out in different places. While that’s not a bad thing in itself, it can help to streamline investments and place funds in areas that perform well and generate better returns on investment.
Over time, revisit your investments to see what’s working and what isn’t, moving money around accordingly.
Step 3: Diversify Your Portfolio
It’s never a good idea to put all your eggs in one basket when it comes to investing. If you’re ready to take things to the next level now you’re in your 30s, think about adding in other types of investments to diversify your portfolio.
Spreading the risk across multiple investments also protects you from severe losses if one investment goes wrong.
Step 4: Maximize Your Retirement Accounts
Many employers will match your contributions into your 401(k). If you opt to pay in more now, employer contributions increase your investment, and you’ll reap the rewards when you retire.
The Roth individual retirement account, or IRA, is a good way of saving additional money on top of your 401(k) or as an alternative if you don’t have a 401(k). Tax benefits of the Roth IRA mean you won’t be liable for tax payments when you withdraw funds after you retire.
Step 5: Get a Financial Advisor
You might have managed your own investments thus far, but one way to step up your investment is by consulting a financial advisor. Input from a professional can get your money working harder, and you’ll usually find that the extra profit more than covers the financial advisor’s fee.
Step 6: Plan for the Unexpected
Investing your money has obvious long-term benefits, but if you’ve already made a start on building up an investment portfolio, perhaps you can afford to put some money aside as a buffer.
Your 30s can throw up expensive life events – buying a home, getting married and having a baby are all significant (expensive) events that typically happen in your 30s. Planning for these life events means that when they arise, you won’t be set back in your investment goals.
Step 7: Secure Your Wealth
As you reach your 30s, you probably feel a little more stable in your career and are hopefully starting to earn good money from your salary and existing investments. Now is the right time to take measures to not only grow your wealth but to secure it by adjusting your investment plans and spreading funds across both high- and low-risk investments.
If You Want to Start Investing:
Step 1: Create Financial Goals
If you are clear on your goals, you can find ways to get there. Take the time to work out what outcome you’d like from your investments and what you’re aiming for financially.
You might want to build wealth or create a solid retirement plan, but either way, get clear on the numbers involved so you can figure out how to get there.
Step 2: Open a Retirement Plan
Retirement plans have the significant advantage that your contributions and interest earned are exempt from tax. Many employers match your contributions too, so if you put in as much as you can afford, they’re basically giving you free money of the same amount.
There is usually a cap on the amount they will match, so beyond this, it can be worth opening a Roth IRA plan, an alternative retirement plan that allows for tax-free saving.
Step 3: Create a Savings Plan
One of the easiest ways to get your finances in order is to create a basic savings plan. Decide how much you want to save and how you plan to do so, and look around for savings accounts with generous interest rates.
Although cash savings alone are not the best way to invest, it’s sensible to have a cash buffer alongside any other higher-risk investments.
Step 4: Develop Financial Discipline
By your 30s, you have hopefully paid off debts, climbed the ladder in your career and worked out how to manage cash flow. If you wish to invest, it’s essential to have a handle on your finances and have good discipline around spending and saving.
If this is an area in which you struggle, get your basic financial habits in order before risking money on investments.
Step 5: Decide Where to Put Your Money
Research and investigate all the options available to you. Your decision will be influenced by how much you have to invest, what the financial markets are doing, whether you plan to manage it yourself or pay a financial advisor and the level of risk you are willing to take.
What Should You Invest in When in Your 30s?
Multiple Retirement Plans
Make the most of your employer matching your 401(k) contributions and pay in as much as you can up to the maximum allowance. It’s also wise to invest in an IRA.
With traditional IRAs, you make pre-tax contributions but then pay tax upon withdrawal when you retire. Roth IRAs are a better option in most cases, as although you make contributions on after-tax income, you don’t pay tax upon withdrawal.
Be aware of the cap on Roth IRAs – if you earn over $140,000 per year, you are not eligible for a Roth IRA.
Invest in Stocks or Bonds Through Index Funds or ETFs
Index funds and exchange traded funds (ETFs) both involve bundling together investments such as stocks, bonds and commodities into one asset that can be traded in financial markets.
They both tend to give good long-term return on investment, which makes them ideal options for starting to invest in your 30s when you have decades of investing ahead of you.
This option gives better returns than savings, but you might need a professional to manage them on your behalf.
Invest in Cryptocurrencies
Cryptocurrencies are still relatively new investment options, and they can fluctuate and change quickly. The benefit of investing in your 30s is that you can ride out the lows and grow your investment over time.
Investing in cryptocurrencies can be a high-risk option, but high risk means the potential for high reward, so it can be a good asset in your portfolio.
Use Robo Advisors
Robo advisors are digital financial advisory platforms that guide how to invest your money. There is little human interaction involved; instead, an algorithm takes your financial information and works out the best investment options, building and managing your portfolio and retirement plan.
Robo advisors are less expensive than human financial advisors, and they are available to investors with a small amount of capital. However, they do come with drawbacks.
As an automated service, they cannot respond to complex situations or sudden changes in a person’s financial position. If you have a large amount of capital to invest, you are arguably better off seeking help from a human who can give you a personalized service rather than a robo advisor.
Buy Your Own Home
Real estate tends to be a solid investment that actually gives you a tangible benefit – a beautiful home to raise your family. If you are renting, figure out a way of purchasing your own home so you can pay off your own mortgage instead of someone else’s.
Over time, your equity will grow, and you’ll have the option to sell up in retirement to downsize and release your money.
Invest in a REIT
A real estate investment trust, or REIT, owns or manages commercial real estate, such as shopping malls or hotels. You can invest in a REIT by becoming a shareholder and receiving dividends on profits.
Before investing in a REIT, research the industry of their tenants (hospitality, retail, etc.) to gauge how strong it is and investigate the reputation and past performance of the company that manages the REIT. This type of investment typically has high yield dividends.
Invest in Real Estate (Rental Properties)
Whereas a REIT deals with large-scale commercial property, you could also build your own real estate portfolio of residential properties. You can use leverage to put down a small deposit on a house you wish to rent out, then pay off the balance over time, using your tenant’s rent.
Be prepared for covering the costs of vacant properties and for general upkeep and maintenance. Overall, real estate can be a lucrative and relatively low-risk investment option.
Frequently Asked Questions
How to invest in your 30s?
In your 30s, it's important to invest in a diversified portfolio that includes a mix of stocks, bonds and other assets.
Start by creating a budget and setting aside a portion of your income for investing. Consider your financial goals and risk tolerance, and choose investments that align with your objectives.
You can invest through retirement accounts like 401(k) and IRA, or through brokerage accounts. Educate yourself on different investment options and strategies to make informed decisions.
What to invest in your 30s?
It's important to invest in a diversified portfolio that includes a mix of stocks, bonds and other assets.
Consider investing in low-cost index funds or exchange-traded funds (ETFs) that track broad market indexes, which can offer broad diversification and potentially higher returns over time.
You can also consider investing in individual stocks, real estate or alternative assets, depending on your financial goals and risk tolerance.
Work with a financial advisor if you need guidance on investment options that align with your financial situation and goals.
Why you need to invest in your 30s?
Investing in your 30s can help you build long-term wealth and achieve financial goals like buying a home, paying for your children's education and retiring comfortably.
The earlier you start investing, the more time your investments have to compound and potentially grow in value. By investing regularly and consistently over time, you can take advantage of compound interest and potentially earn higher returns on your investments.
Investing in a diversified portfolio can also help you manage risk and reduce the impact of market volatility on your investment returns.
How much do you need to invest in your 30s to retire a millionaire?
The amount you need to invest in your 30s to retire a millionaire depends on several factors, including your current savings, investment returns and retirement expenses.
A general rule of thumb is to save and invest at least 15% of your income each year for retirement.
If you start investing at age 30 and earn an average annual return of 7%, you would need to save and invest around $900 per month to retire with $1 million at age 65.
What is the worst financial investment you can make in your 30s?
One of the worst financial investments you can make in your 30s is investing in high-risk, speculative investments like penny stocks or cryptocurrency.
These investments can be highly volatile and unpredictable, and can result in significant losses. Avoid investing in assets that you don't fully understand, and be wary of investment opportunities that promise quick and easy returns.
It's also important to avoid high-interest debt, as it can eat into your investment returns and hinder your ability to save and invest for the future.
What are investing mistakes to avoid in your 30s?
Some common investing mistakes to avoid in your 30s include not investing enough, investing too aggressively or too conservatively, failing to diversify your portfolio and letting emotions drive investment decisions.
It's important to invest regularly and consistently, even during market downturns, to take advantage of potential long-term gains.
Avoid making investment decisions based on fear, greed or other emotional factors, and instead focus on your long-term financial goals and risk tolerance.
Diversifying your portfolio across different asset classes and investment styles can also help manage risk and potentially boost returns over time.
Is it OK to start investing at 30?
Yes, it is absolutely okay to start investing in your 30s. In fact, it is a great time to start investing as you still have plenty of time to let your investments grow and compound.
The earlier you start, the more time you have to accumulate wealth and reach your financial goals.
What should I consider before making investment decisions in my 30s?
Before making investment decisions in your 30s, it is important to consider your financial goals, risk tolerance, investment horizon and liquidity needs.
You should also have a solid understanding of the different investment options available and how they align with your financial goals.
What are some potential risks of investing in your 30s?
Some potential risks of investing in your 30s include market volatility, inflation and unexpected life events that could impact your investment strategy.
How can I balance investing for my future with other financial priorities?
To balance investing for your future with other financial priorities, you should create a budget and prioritize your financial goals.
It's important to have an emergency fund, pay off high-interest debt and then focus on investing for your future.
What are some common types of investments for people in their 30s?
Common types of investments for people in their 30s include stocks, mutual funds, exchange-traded funds (ETFs), real estate and retirement accounts such as 401(k)s and IRAs.
What is the best trading platform to invest in stocks?
There are several trading platforms available that allow you to invest in stocks such as Robinhood, E*TRADE, TD Ameritrade and Fidelity.
The best trading platform for you will depend on your individual needs and preferences, so it's important to do your research and compare features, fees and user experience.
Final Thoughts
If you have not started investing by your 30s, don’t panic. If you start now, you’ll still benefit from compound interest and can ride out ups and downs with longer-term goals in mind.
Once you have some cash savings and have planned for significant life events, there are plenty of options for investment that can spread out risk and make your money work hard for you. You need to take the time to explore your options, taking advice from a financial advisor if necessary.
As you build up a portfolio of investments, you can review it over time, moving your money around depending upon where you’re achieving the best returns.