From comprehensive guides and articles to interactive tools and more, you’ll find everything you need right here.
Get Ramsey’s Complete Guide to Investing
Whether you’re already investing or want to get started, this free guide will level up your know-how as you plan for the retirement of your dreams. You’ll learn everything from investing fundamentals to advanced strategies—all in plain, jargon-free English. Get free access today and cut confusion from your portfolio. You’ll even unlock even more investing content that’ll come your way once or twice a month.
Quick Tips for Investing the Ramsey Way
How do you know if you’re ready to start investing? We recommend waiting until you’ve paid off all debt (except your mortgage) and saved 3–6 months of expenses in a fully funded emergency fund. Here are some quick tips to keep in mind when you’re ready to get started.
Invest 15% of your income in a retirement account like a 401(k) or Roth IRA and take advantage of the match from your employer if you get one.
Spread your money out across different investments that have a history of performing well over time—like growth stock mutual funds.
Keep a long-term perspective, and never invest in anything you don’t understand.
Work with a financial advisor or investing pro to help with all this.
What Compound Growth Can Do for Your Investments Over Time
*Based on 11% annual returns, since the S&P 500 index fund has averaged 10–12% over 30 years
You don’t have to figure out your next investing move alone. A SmartVestor Pro can guide you with the heart of a teacher. These investment advisors will walk you through what you need to know to make the best choices for your investing goals.
Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.
Learn more.
Build a Solid Foundation
How to Start Investing in 2025: A Beginner’s Guide
Starting your investing journey can be overwhelming, but following a game plan can take a lot of the stress out of the equation. Let’s look at investing for beginners so you can start saving!
Ramsey Solutions
Roth 401(k) vs. 401(k): Which One Is Better?
Can't decide between a Roth 401(k) vs 401(k)? Let's look at the main differences between the two, so you can choose the best retirement plan for you.
Ramsey Solutions
How to Invest in Mutual Funds
How can you build a solid nest egg if you can't make sense of all your options?
Ramsey Solutions
Dive Deeper Into Investing
Want a Secure Retirement? Don’t Fall for These 6 Retirement Myths
For a secure retirement, the more you know, the more power you have to make a difference. Don't let these six myths keep you from reaching your retirement dream!
Ramsey Solutions
Investment Options for High-Income Earners
So, you’ve maxed out your tax-favored accounts but haven’t invested 15% of your gross income. Where to next? If you're a high-income earner, keep building wealth with these five investment options.
Ramsey Solutions
Can You Really Get a 12% Return on Your Investments?
The stock market has seen its ups and downs the past few years, but if you're wondering about what kind of rate of return to expect, it's important to look at the market's track record long-term. So can you really get a 12% return on your investments? Let's take a look.
Ramsey Solutions
SmartVestor™ is an advertising and referral service for investment professionals operated by The Lampo Group, LLC d/b/a Ramsey Solutions (“Ramsey Solutions”). When you provide your contact information through the SmartVestor site, Ramsey Solutions will introduce you to up to five (5) investment professionals (“Pros”) that cover your geographic area. Each Pro has entered into an agreement with Ramsey Solutions under which the Pro pays Ramsey Solutions a combination of fees, including a flat monthly membership fee and a flat monthly territory fee to advertise the Pro’s services through SmartVestor and to receive client referrals from interested consumers who are located in the Pro’s geographic area. Each Pro may also, if applicable, pay Ramsey Solutions a one-time training fee.
The fees paid by the Pros to Ramsey Solutions are paid irrespective of whether you become a client of a Pro and are not passed along to you. However, you should understand that all of the Pros that are available through SmartVestor pay Ramsey Solutions fees to participate in the program. Further, the amount of compensation each Pro pays to Ramsey Solutions will vary based on certain factors, including whether the Pros choose to advertise in local or national markets. Ramsey Solutions has a financial incentive to present certain Pros that offer their services on a national basis (“National Pros”) more often than other National Pros that pay lower fees.
It is up to you to interview each Pro and decide whether you want to hire them. If you decide to hire a Pro, you will enter into an agreement directly with that Pro to provide you with investment services. Ramsey Solutions is not affiliated with the Pros and neither Ramsey Solutions nor any of its representatives are authorized to provide investment advice on behalf of a Pro or to act for or bind a Pro. Ramsey Solutions introduces you to Pros that cover your geographic area based on your zip code. Neither Ramsey Solutions nor its affiliates provide investment advice or recommendations as to the selection or retention of any Pro, nor does Ramsey Solutions evaluate whether any particular Pro is appropriate for you based on your investment objectives, financial situation, investment needs or other individual circumstances.
No investment advisory agreement with a Pro will become effective until accepted by that Pro. Ramsey Solutions does not warrant any services of any SmartVestor Pro and makes no claim or promise of any result or success by retaining a Pro. Your use of SmartVestor, including the decision to retain the services of a Pro, is at your sole discretion and risk. Any services rendered by a Pro are solely that of the Pro. The contact links provided connect to third-party websites. Ramsey Solutions and its affiliates are not responsible for the accuracy or reliability of any information contained on third-party websites. Each Pro has signed a Code of Conduct under which they have agreed to certain general investment principles, such as eliminating debt and investing for the longer-term, and, if applicable, have completed Ramsey Pro Training. However, Ramsey Solutions does not monitor or control the investment services the Pros provide.