What is the starting point for a beginning investor. This link will provide one example of how one might begin with $100 per month. Don’t be turned off by the returns. Remember, we are near the bottom of a severe bear market, much like I experienced in the middle 1970s. Looking back, it was the best of times for the young investor.

Lowell Herr
Photograph: Peru – Check out those rock walls. They have been in place for centuries.
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Beginning investors not familiar with ETFs will find a number of short videos of interest. Unfortunately, clicking on one ETF video does not create a straight through link to the one or two I would recommend. So take this route and then do a Search for ETFs on the MSN site. Near the top right corner click on View All. Then find the woman in the bright red jacket. View that interview. It is titled, “How to select ETFs.”

My recommendation is to stick with the liquid ETFs such as provided by Barclay’s iShares or Vanguard. If Vanguard meets your needs go with them as their expense ratios are as low as one finds.
Lowell Herr
Photograph: Mt. Bachelor near Bend. Oregon
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