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How To Invest Your Money in 2021 GOBankingRates 1/26/2021 © LPETTET / Getty Images Female millennials & New Ways of Investing. Everyone needs to invest. In terms of classic pearls of wisdom in the personal finance sphere, “invest your money” is right up there with “have an emergency fund” and “make a budget.” Despite the fact that putting some portion of your savings to work in stock and bond markets is almost universally acknowledged to be sound advice, almost half of Americans aren’t investing. Given how powerful a tool investing can be, that’s downright tragic. Case in point: Imagine that at age 35, your long-lost uncle dies and leaves you $10,000. You’re trying to decide between just parking that money in your savings account one of the safest options imaginable and investing money in shares of an S&P 500 exchange-traded fund, an investment designed to match the performance of the index. How would your decision play out after 10, 20 or 30 years?

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