4 Top Investing Moves To Make Ahead of 2025, According to Experts

With only a few months left until 2025, now’s a good time to take a good look at your investments. This could mean choosing new assets to invest in, or it could mean reviewing your current strategy to make sure it’s still working now and that it will get you closer to your financial goals going forward.

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You should make investing moves based on your own preferences, risk tolerance, financial situation, and goals. But there are some things nearly anyone can do to set themselves up for success.

Here are four top investing moves to make ahead of 2025 , according to the experts.

Money mistakes the super wealthy never make - that you might be doing now.

Invest in Well-Established Companies

There are plenty of alternative investments you could make. For example, you could put your money in hedge funds, private equity, or cryptocurrency. Adding a few of these to your portfolio could diversify it and potentially mitigate the risk factor.

But you could also stick with more traditional investments like stocks or bonds. If you go with stocks, you may want to choose well-established companies rather than startups or those with less financial backing or support.

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“I really think that the best moves for US-based investors to make before 2025 would be to put their money into solid companies that are going to stick around for the long haul. With recent market volatility — especially this week — there is a lot of opportunity out there,” said David Materazzi, CEO of the automated trading platform Galileo FX .

According to a recent Motley Fool article by Matthew Frankel, CFP , here are some stocks that could be solid buys for long-term investors:

• Alphabet
• Amazon
• Berkshire Hathaway
• Intuitive Surgical
• Walt Disney
• MercadoLibre
• Shopify
• Airbnb
• PayPal
• CrowdStrike

Do Your Research Before Investing

Which companies you choose is ultimately up to you. You can choose based on an array of factors, including industry or company type. But if you’re selecting individual stocks, do your research before putting your money anywhere.

“Look for businesses that are easy for you to understand and have a good track record,” said Materazzi. “If you don’t understand what a company does — you shouldn’t be investing in it. I see this far too often.”

One way to get started with picking stocks is to find out how a specific industry or company has been doing recently. As an example, here are some of financial service Edward Jones’ key findings about August’s returns by industry:

• Consumer staples: +5.1%
• Real estate: +4.7%
• Health care: +4.3%
• Utilities: +4.1%
• Financials: +3.5%
• Industrials: +1.7%
• S&P 500: +1.4%
• Materials: +1.3%
• Communication services: +0.4%
• Information technology: +0.2%
• Energy: -2.0%
• Consumer discretionary: -2.8%

In terms of selecting companies, here are a couple of signs that a company could be, but not guaranteed, worth investing in:

• It has a low P/E (price to earnings) ratio rather than a high P/E ratio
• It isn’t overly burdened with debt
• The company is an industry leader (and the numbers add up)
• The company’s industry interests you (or the company itself is one you value)

If you don’t feel comfortable picking individual stocks, you can always consider investing in an index fund . They’re a much more passive form of investing, one that doesn’t require you to choose your own stocks. This has its pros and cons, so weigh your options — and consider speaking with a professional.

Never Stop Learning

Investing is complicated when you’re just getting started. Even if you’ve been investing for a while now, never stop learning. A lot can change in a short time, and you might learn something that can affect your investing journey — or strategy — in ways you never thought about before.

“Keep learning about investing when you have time,” said Materazzi. “The more you know, the better choices you’ll make. This should be a continual process — even the best investors continue to educate themselves on new sectors, new securities, etcetera.”

Diversify Your Income Streams

Even with just a few months left in the year, that could be enough time to start diversifying your income streams.

“It’s really smart to have a few different ways to bring in cash, whether it’s through stocks, real estate or even a side gig, so you’re not too dependent on one thing going right,” said Materazzi. “Try to shoot for at least three ways.”

The more financially stable you are, thanks to those income streams, the more you can build toward short- and long-term financial success. This, in turn, means you can continue to invest and work toward other goals you might have without undue stress.

This article originally appeared on GOBankingRates.com : 4 Top Investing Moves To Make Ahead of 2025, According to Experts