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A simple guide for first-time investors

By Brooke Le Poer Trench

  • You don't need a lot of money or expert skills to begin investing; start small and learn as you go. 
  • Use tools like the CommBank app and explore options like ETFs or managed funds while building your confidence.
  • Stay focused with clear, long-term goals and use trusted tools and platforms to protect yourself from scams.

Thinking about investing but not sure where to start? You’re not alone. The good news is, getting going has never been easier.

1. Learn investing basics to build your confidence

Before you make your first investment, learn the basics. The Investing hub in the CommBank app has short videos, explainers and lessons that can help you find your footing. “There’s no perfect time to start,” says Steven Daghlian, market analyst at CommSec. “And you don’t need to be a maths whiz. Just start learning in small increments and build knowledge as you go.”

For a first-time investor, the share market might seem intimidating. Understanding the basics can help you start with confidence. 

2. Start investing small and discover your approach

Gone are the days when you needed thousands to invest. “You can start with as little as $2,” says Daghlian. If you’re not sure where to invest first, start broad. For a ready-made mix of diversified investments, explore themed exchange-traded funds (ETFs) or managed funds, where professionals pick and manage investments on your behalf. And if you want more control, you can buy individual Australian shares directly. Whatever your style, the CommBank app makes it easy to explore your options and get started, all at your own pace.

3. Set clear investment goals for long-term success

The best investors think long term. “Having goals simplifies the process because it gives you direction,” says Daghlian. Maybe you want to build a house deposit or grow a travel fund. Whatever it is, a clear purpose helps you stay focused when markets move around. As does remembering that gains are likely to happen over the long-term. “Don’t obsess over daily market movements,” says Daghlian. “And be proud of yourself for starting. Most people never do.”

4. Use investing tools to stay informed and confident

The CommBank app has helpful tools like the Market Movers list that shows the top risers and fallers on the ASX daily, while Favourites makes it easy to save, track and compare your preferred Australian shares. It all helps you stay informed and confident as you build your portfolio.

5. Watch out for investment scams 

Scammers are getting smarter about how they target beginner investors. Be especially wary of ads on social media that promise guaranteed returns or feature celebrity endorsements as they’re often fake. And always stick with trusted tools and licensed platforms, like those offered through your bank or a verified financial services provider.

Learn how to protect yourself from investment scams.

Ready to start? Visit the Investing Hub to explore tools, tips and step-by-step guides.

Check out the Investing Hub

Whether you're an old hand at the stock market or looking to invest for the first time, we can help demystify the process of investing.

Learn more

Published: 19 January 2026

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Things you should know

Investing carries risk. Consider the T&Cs and fees and charges before deciding.

An earlier version of this article was published in Brighter magazine. 

This article provides general information of an educational nature only. It does not have regard to the financial situation or needs of any reader and must not be relied upon as personal financial product advice. The views expressed by contributors are their own and don’t necessarily reflect the views of CBA. As the information has been provided without considering your objectives, financial situation or needs, you should, before acting on this information, consider the relevant Product Disclosure Statement and Terms and Conditions, and whether the product is appropriate to your circumstances. You should also consider whether seeking independent professional legal, tax and financial advice is necessary. Every effort has been taken to ensure the information was correct as at the time of printing but it may be subject to change. No part of the editorial contents may be reproduced or copied in any form without the prior permission and acknowledgement of CBA.

Commonwealth Securities Limited ABN 60 067 254 399, AFSL 238814 (CommSec) is a wholly owned but non-guaranteed subsidiary of CBA. Investing carries risk. Consider the Product Disclosure Statement and Target Market Determination for each ETF prior to making an investment decision. Fees & charges may apply.