As a young adult in your 20s, it may seem like retirement is far off and investing can wait. However, the truth is that the earlier you start investing, the more time you have to let your money grow through compounding interest. This means that even small investments made in your 20s can turn into significant wealth over time.

So what are the top assets to buy in your 20s? Let’s take a look at three investment options that can help you set yourself up for financial success in the long run.

Value Stocks

Stocks are often one of the first things that people think of when they want to invest. However, not every stock is the same. Value stocks are one choice you might want to think about.

These are stocks that are selling below what they’re worth, which could mean they’re undervalued. This means there is a chance to buy these stocks for less money and possibly make more money in the long run.

Value stocks might not be as flashy or well-known as other investments. But they can be a good long-term choice for investors who want safety and growth.

Stocks can go up and down quickly, so it’s important to do your research and diversify your portfolio when investing in stocks. But if you start investing in value stocks when you’re in your 20s, you have more time to ride out any market changes and could make a lot of money.


Gold is another asset you might want to consider in your 20s. The value of gold has long been thought of as safe during times of economic instability. It can help protect you from inflation, and its value stays stable even when the value of other assets experiences volatility.

Investing in gold doesn’t always mean you buy gold. You can invest in gold in several ways. This includes ETFs or mutual funds that track the price of gold.

Real Estate

Most people in their 20s may not think they can afford to invest in real estate, but there are many ways to get into the market. Real estate investment trusts (REITs) are one way to do this. These are companies that own and run properties that bring in money, like shopping malls, apartment buildings, and office buildings.

Putting money into REITs can give you a steady flow of income through dividends and could even help your money grow over time. Also, because you are young, you have more time to wait out any changes in the market and see long-term gains from your real estate assets.

Index Funds

Index funds try to duplicate the success of a certain market index. These funds give investors access to a lot of different markets, have low costs, and experience little portfolio turnover. Index funds are popular with investors because they spread risk across many companies, sectors, or countries.

Index funds can be a more passive and less risky way to invest in the stock market, compared to buying individual stocks. As someone in their 20s starts to build an investment portfolio, this can be especially appealing because they may not have the time or knowledge to handle individual stocks. Early buying in index funds can help you benefit from compound interest and possibly see big growth over time.


In recent years, cryptocurrency has emerged as a potentially lucrative asset class, especially for younger investors who are comfortable with a bit of risk and have a long-term investment horizon. Cryptocurrencies, such as Bitcoin or Ethereum, are digital or virtual currencies that use cryptography for security.

While the cryptocurrency market can be volatile, it also has the potential for significant returns. It’s essential to keep in mind that investing in cryptocurrencies should be done in moderation and as part of a diversified portfolio to mitigate risk. Always do your research or consult with a financial advisor before diving into cryptocurrency investments.


Bonds are essentially a loan you provide to a corporation or government entity. In return, you receive regular interest payments over a predetermined period. The principal invested is returned at the end of the period (when the bond matures).

They are generally considered lower risk compared to stocks and can provide a steady income source. This makes them a good addition to a diversified portfolio.

There are various types of bonds. This includes corporate bonds, municipal bonds, and government bonds, each offering different risk and return profiles. It’s important to understand these differences and choose the bonds that align best with your financial goals and risk tolerance.

Mutual Funds

Mutual funds are one of the excellent assets to buy in your 20s. These funds pool money from multiple investors to invest in a diverse portfolio of stocks, bonds, and other assets. The diversification of mutual funds can help minimize risk while providing steady growth over time.

Furthermore, mutual funds are managed by professional fund managers who use their expertise to buy and sell assets within the fund. This makes them a great option for novice investors or those who prefer a hands-off approach to investing. It’s key to understand the fund’s goal and whether it aligns with your investment objectives before investing.

Exchange-Traded Funds (ETFs)

Exchange-traded funds (ETFs) are like mutual funds but trade on the stock exchange, similar to individual stocks. They can be bought and sold throughout the trading day at varying prices, unlike mutual funds that are valued at day-end.

ETFs provide exposure to diverse assets (stocks, bonds, commodities) without buying each individually, making them great for diversification. Most ETFs track specific indexes, sectors, or commodities, allowing novice investors to follow market trends. ETFs have lower fees than actively managed funds, making them cost-effective for young investors.

Consider These Assets to Buy in Your 20s

Looking for assets to buy in your 20s and investing can set you up for financial success in the long run. By starting early and taking a diversified approach, you can minimize risk and potentially see significant returns over time.

Whether it’s through value stocks, gold, real estate, index funds, or other investment options, there are plenty of ways to start building your wealth today. Remember to always do your research and consult with a financial advisor before making any investment decisions. Happy investing!

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