When it comes to investing and most matters involving money, it seems the majority of people are influenced by fear. You might sell a stock out of fear that you are going to lose a bunch of money, or you might see a downturn in the stock market and decide not to invest at all. You should never invest money if you are afraid to lose it. I have experienced situations where I did not buy a stock and then it dropped significantly to which I was happy with my decision.
Learning how to make wise choices of employers is something you, as an employee, need to be more diligent about. You can spend all your time looking for a job that really interests you only to find out, after being hired, that the company is horrible to work for.
Sometimes you don’t have a choice. I took the first and only offer I got right after I graduated college, for fear of remaining unemployed. While it wasn’t the worst corporation to work for, I placed significant emphasis on benefits, growth structure, morale and overall approval when looking at companies for my next job.
After you’ve established how much risk you can tolerate, you will need to find a vehicle to invest it through. Transaction costs and management fees are the kryptonite of investments. They dramatically eat into profits, especially with smaller dollar value investments. Finding a broker with low transaction fees is essential.