Benefits of Investing Early
Big goals require big savings, but you can get there with modest monthly contributions, if you get started now.
The most important lesson about investing is that your money needs time to ride through the ups and downs of the markets to come out ahead in the long run. That's why it's best for big, long-term goals, like helping you save for college or having enough money for a comfortable retirement. The good news is that you don't need to be rich to start investing.
Here are some steps to get started with only a few hundred dollars.
Open a Huntington Checking Account
If you want a basic checking account with no monthly maintenance fee, or an interest-earning checking account, we've got the options that are right for you.
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- Pick a big life goal that will require a large sum of money, like retirement or college. Clear goals help with motivation. Here's the motivating math: $100 saved per month could add up to about $123,000 in 30 years, based on past long-term results†.
- Take a little time to learn the basics before you invest. The first concept to know is diversification: spreading the risk across a lot of investments. It's also useful to understand how taxes vary for different investments. Check out our intro to investing, which is written for beginners.
- Once you understand the basics, look at the ways that you can start investing on your own with very little money, including using new auto-investment apps. We assembled a guide to micro-investing here.
- Make sure you take advantage of employer programs like matching 401(k) plans, because they can accelerate your investing.
- Talk to your Huntington Financial Advisor to help you set and achieve your financial goals.
Investment, Insurance and Non-deposit Trust products are: NOT A DEPOSIT • NOT FDIC INSURED • NOT GUARANTEED BY THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE
The Huntington National Bank (“Huntington Bank”) offers a full range of wealth management and financial services through dedicated teams of professionals within the Huntington Private Bank® and Huntington Financial Advisors® as follows:
- Banking solutions, including loans and deposit accounts, are provided by Huntington Bank, Equal Housing Lender and Member FDIC.
- Trust and investment management services are provided by Huntington Bank, a national bank with fiduciary powers.
- Certain insurance products are offered by Huntington Insurance, Inc. and underwritten by third-party insurance carriers not affiliated with Huntington Insurance, Inc.
- Certain investment advisory solutions, securities, and insurance products are provided by Huntington Financial Advisors®, a financial advisory practice of Ameriprise Financial Services, LLC (“Ameriprise”). Huntington Financial Advisors® is the trade name of the investment program offered through Huntington Bank. Certain employees of Huntington Bank provide investment advisory, brokerage, and insurance services, offered by and through Ameriprise in their capacity as registered representatives of Ameriprise. Ameriprise is a registered investment adviser and broker-dealer member of FINRA and SIPC. Ameriprise is not affiliated with Huntington Bank, Huntington Insurance, Inc., or Huntington Bancshares Incorporated. Ameriprise and Huntington Bank partner to provide financial planning services and solutions to clients. Huntington Bank is not an investment client of Ameriprise; however, it receives revenue sharing payments from Ameriprise, which creates a conflict of interest. Details on how we work together can be found on ameriprise.com/sec-disclosure.
Huntington Private Bank® is a federally registered service mark of Huntington Bancshares Incorporated.
Huntington Financial Advisors® is a federally registered service mark of Huntington Bancshares Incorporated and is used under license.
Huntington Bank and Huntington Insurance, Inc. are wholly-owned subsidiaries of Huntington Bancshares Incorporated.
Minimum investment or deposit balance criteria apply with respect to the Huntington Private Bank. Please contact a Huntington Private Bank colleague for more information on eligibility requirements.
† Calculated at long-term historic stock market return rates of 7%, starting with $100, though returns are never guaranteed —there's always risk in investing.
