Skip to main content
Asked a question 2 months ago

2nd year uni student here - i've saved up some money since the start of the pandemic and would like to begin investing in the stock market. I am having second thoughts because I don't want my money locked away for too long. What would you do?

Where am I?

In Koody Community you can ask and answer questions and share your experience with others!


I'm in the process of writing a blog post on investing as a student at the moment and would be happy to send it to you once published.

Short answer - it depends on what you need the money for. My advice would be to invest everything you can in low-cost passive index funds using the Vanguard platform. 

This, for me, is the best mix of returns, low risk, low maintenance whilst being well diversified in a reputable, easy to use platform.

The earlier you invest, the more years you will benefit from compounding and starting investing now will create a really great habit going forward.

Generally speaking, investing in the stock market should be a long term pursuit (particularly using the method I laid out above) - if you're not willing to invest the money for the long-term, I wouldn't invest it.

It should be noted, once you invest, you can always sell and gain access to the money (usually in as little as a couple of days) so it's not truly 'locked away'. You do risk selling in a negative fluctuation of the stock market however and losing money which is why holding for the long term is advisable.

I'm sure your 30-70 year-old self will thank you for investing whatever you can as young as possible!

Good luck and let me know here if anything unclear!

Luke (theprogressionplaybook.com6)