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21 October 2025
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From the hundreds of responses to Firstlinks’ recent survey question, “What investment advice would you give to a 25-year-old starting an investing journey?”, we have compiled a comprehensive list of dos and don’ts for young (and perhaps not-so-young) investors.
As there are so many, we’ll present more tips next week, but for now, here are the first 100.
Leisa Bell is an Editorial Associate at Firstlinks. The investment tips provided by our survey respondents are general in nature and are not tailored to your individual financial circumstances or goals.
How many of these people really do think long term when a crisis hits. Ask any fund manager and they will say outflows are heaviest at the bottom and inflows are highest at the top.
I think that's why its the bottom and the top !
I think it it the third or fourth survey I have participated but have never seen my posts (this one says it is the first 100 batch though). Time to stop completing them! For everyone who reads these survey posts, there are indeed good postings but we aware that they may be a curated subset.
Thanks for participating, Abel. In previous surveys, we have published all the responses except a few that were disrespectful or self-promotional or otherwise inappropriate. In some surveys, we receive thousands of responses and once we packed them into a 75 page PDF. Maybe you missed your comment in the mass of material. While we are releasing this one in blocks of 100, we will ensure yours is included, as the vast majority will be.
No idea why you would want to publish so many tips as I suspect the sheer volume makes it almost useless. The thought of you going on and publishing yet more in batches of 100 has zero appeal to me. Much more useful I suspect would have been a list of probably no more than five key actions novice investors should seriously consider adopting at the start of their investing journey along with a suggestion as to when they might consider stepping into the drivers seat and putting their foot on the accelerator or brake if that turns out to be their wish. Oh and to accept the consequences, for better or worse, as they take more or total control.
Thanks, Peter. So we have one person (Abel) complain that we did not publish his comment (yet) and another that we should select only five from the hundreds received. Can't make everyone happy.
Number 4 - "Do night courses in carpentry and plumbing." It is illegal to do plumbing work unless you are a registered plumber - and you won't become a registered plumber by doing a night course!
I suggest grouping the comments into a logical structure. That way it could become a mini guide for people wishing to learn, rather than a random list of opinions.
I couldn't think of a sadder existence : Get a secure full-time job. Save for a house deposit. Do night courses in carpentry and plumbing. Buy the most rundown house in a good street. Renovate the house nights and weekends for two years. Sell the house and buy another one requiring less renovation. Get a higher paying job and repeat the cycle
Some of those tips contradict themselves - best to have 10-20 tips that are different and consistent. But thanks for publishing nevertheless.
Thanks for the article Leisa. Some great- and some not so great tips- but very interesting reading. ????
One crucial tip is missing: Budgeting and ideally projecting your budget, savings, cashflow, investments and returns over a number of years - without proper budgeting and tracking of spending it is difficult to maximise the amount one can save and therefore invest. I found over 30 years of investing, budgeting and forecasting was the cornerstone to maximising savings for which I could then invest, buy a house or plan for major expenditures - I am still using the original budgeting and forecasting spreadsheet I created 30 years ago (with some tweaks of course).
Publishing all responses from the readers does not serve any meaningful purposes. Some responses were excellent. Some responses were poor. It is hard for a 25 year old to go through hundreds of tips let alone filtering which tips are truly useful. That's why we have an editor who will use his/her experience and judgement to decide which 10 to 20 tips are truly useful for a 25 year old. I want my tip to be publish too. But, if my tip is not among the selected top 20, I have to question my experience and knowledge in investing, then decide if I need further improvement myself. Publishing the poor tips is not just harmful to the 25's, it is also harmful to those readers who submit such tips, thinking that their tips were among the best.
Please editor publish as many tips as possible, all of them will likely have some application to someone, as we have differing investment styles, interests, finances. Many readers have had different experiences and we can learn from their emphasis. Anyone who just wants ‘10 best investment tips’ should stick to google.
Well done Leisa on producing a very useful list. Even if young people commenced at point 71- just start with a small amounts in all equities fund - sound advice
What is wrong with Google's 10 best investment tips if they are proven, practical and beneficial to the 25's?
LICS and ETFs are a path to mediocrity. Investing in Balanced AND Growth? Guess what? You’ll get the same shares in both.
agree 100% !!
DC's first comment about a budget - absolutely agree. You simply must have both a short term budget and a longer term budget. This allows you to plan & maintain maintain a positive cashflow after taking into consideration your saving for a house deposit, then mortgage, then long term savings/investments. A spreadsheet or a simple finance package that enables tracking & categorization is an essential tool.
Thanks for the Firstlinks newsletter, which I enjoy reading. It has taught me a thing or two as well. I was reading the list of investment advice, and although this isn't quite investment advice it brought to mind one of the wisest things I have ever heard, and that is: Buy the cheapest car that your Ego will allow. You can save a lot of money that way.
In this second part on the reader responses with advice to younger people, we have selected a dozen highlights, but there are so many quality contributions that a full list of comments is also attached.
From a financial view, most earnings calls and stock picks are a waste of time. For most people, their investing would be better served in an index fund. So why bother with it? The best reason is because you enjoy it.
Everyone including investors needs to evolve to get better. Here are five steps to improve your investment toolkit, including thinking probabilistically, running your own race, and measuring yourself objectively.
LICs are continuing to struggle with large discounts and frustrated investors are wondering whether it’s worth holding onto them. This explains why the next 6-12 months will be make or break for many LICs.
Younger Australians think they’ll need $100k a year in retirement - nearly double what current retirees spend. Expectations are rising fast, but are they realistic or just another case of lifestyle inflation?
Retirement can be daunting for Australians facing financial uncertainty. Understand your goals, longevity challenges, inflation impacts, market risks, and components of retirement income with these crucial charts.
In any year since 1875, if you'd invested in the ASX, turned away and come back eight years later, your average return would be 120% with no negative periods. It's just one of the must-have stats that all investors should know.
Five mega trends point to risks of a more inflation prone and lower growth environment. This, along with rich market valuations, should constrain medium term superannuation returns to around 5% per annum.
With rising home prices and falling affordability, political leaders preach reform. But asset disclosures show many are heavily invested in property - raising doubts about whose interests housing policy really protects.
Labor has caved to pressure on key parts of the Division 296 tax, though also added some important nuances. Here are six experts’ views on the changes and what they mean for you.
You can’t freely withdraw your super before 65. You need to meet certain legal conditions tied to your age, whether you’ve retired, or if you're using a transition to retirement option.
Navigating retirement concessions is unnecessarily complex. This outlines a new project to help older Australians find what they’re entitled to - quickly, clearly, and with less stress.
Market shocks and rallies test every investor’s resolve. This explores practical strategies to stay grounded - resisting panic in downturns and FOMO in booms - while focusing on long-term returns.
Bonds have had a tough few years and many investors are turning to other assets to diversify their portfolios. However, bonds can still play a valuable role as a source of income and risk mitigation.
The NSW government is cutting the use of consultants. Universities have also been criticized for relying on consultants as cover for restructuring plans. But are consultants really the problem they're made out to be?