🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 34 (from laksa028)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa034.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.nerdwallet.com/investing/learn/how-to-invest-in-stocks\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.nerdwallet.com/investing/learn/how-to-invest-in-stocks\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.nerdwallet.com\/investing\/learn\/how-to-invest-in-stocks","crawl_time":1776334065,"first_indexed_time":1762277457,"http_code":200,"src_unparsed":"com,nerdwallet!www,\/investing\/learn\/how-to-invest-in-stocks s443","src_root_hash":"10009614238684002234","history_drop_reason":null,"meta_title":"How to Invest in Stocks as a Beginner - NerdWallet","meta_descriptions":["Learn how to invest in stocks, including how to select a brokerage account research investments."],"attrs_boilerpipe_text":"When you invest in a stock, you’re hoping the company grows and performs well over time. That's how you end up making money. One of the best ways for beginners to learn is to open an online investment account and buy stocks through it.\nYou don't need a lot of money to start. Many brokerages allow you to open an investing account with $0, though you'll need some money to actually start investing. Even small amounts — $10 or $20 — will do.\nSome brokers also offer\npaper trading\n, which lets you learn how to buy and sell with stock market simulators before you invest any real money.\nHow to invest in stocks\nTo invest in stocks, open an online brokerage account, add money to the account, and purchase stocks or stock-based funds from there. While these steps cover DIY investing, you can also invest in stocks through a financial advisor or a robo-advisor (more on that later).\nStep 1. Choose a broker\nTo invest in stocks, you'll first need to figure out which broker you want to open an account with. (Not sure how to do this? Read our guide on\nhow to open a brokerage account\n.)\nSome brokers, like Fidelity, are famous for their many years in business and 24\/7 customer support. Others, like Robinhood, are known for their easy-to-use platforms and apps.\nYou'll want to evaluate brokers based on factors like costs, investment selection, investor research, tools and customer service access. Maybe you'll want to open a brokerage account where you already have a bank account, which can help you see all your finances in one place.\nBrokerage firms\nNerdWallet rating\nLearn more\non Charles Schwab's website\nNerdWallet rating\nLearn more\non E*TRADE's website\nNerdWallet rating\nLearn more\non Vanguard's website\nNerdWallet rating\nLearn more\non Fidelity's website\nStep 2. Pick a type of investment account\nThere are several types of investment accounts, and it's a good idea to figure out which account is right for you. For example, a\nRoth IRA\noffers significant tax benefits, whereas a standard brokerage account does not.\nYou'll need to provide some personal information, including your Social Security number, and it will probably take about 15 minutes to open the account. With some brokerages, it can take a few days to connect your bank account, so you may have to wait before you can start buying investments.\nKeep in mind, an investment account is just an account — it's not an investment. You have to add money to it and then purchase investments from there.\nGood to know:\nIf you have a 401(k) or other retirement plan at work, you may already be invested in stocks. These plans often offer a curated selection of stock and bond mutual funds. If your employer matches your contributions to that plan, you should invest enough to earn the full match before investing in stocks elsewhere.\nStep 3. Choose individual stocks or a stock fund\nInvesting in the stock market doesn't have to be complicated. For most people, it means choosing between these two investment types:\nStock mutual funds\nMutual funds\nlet you purchase small pieces of many different stocks in a single transaction. Index funds and exchange-traded funds (ETFs) are two kinds of mutual funds that track an index; for example, an S&P 500 fund replicates that index by buying the stock of the companies in it.\nWhen you invest in a fund, you also own small pieces of each of those companies. You can put several funds together to build a diversified portfolio. Note that stock mutual funds are also sometimes called equity mutual funds.\nIndividual stocks\nIf you’re after a specific company, you can buy a single share or a few shares as a way to dip your toe into the stock-trading waters. Building a diversified portfolio out of many individual stocks is possible, but it takes a significant investment and research.\nIf you go this route, remember that individual stocks will have ups and downs. If you research a company and choose to invest in it, think about why you picked that company in the first place if jitters start to set in on a down day.\nWhat makes sense for most investors?\nThe upside of stock mutual funds is that they are inherently diversified, which reduces your risk. For the vast majority of investors — particularly those who are investing their retirement savings — a portfolio made up of mostly mutual funds is the clear choice.\nBut mutual funds are unlikely to rise in meteoric fashion as some individual stocks might. The upside of individual stocks is that a wise pick can pay off handsomely, but the odds that any individual stock will make you rich are exceedingly slim.\nHowever, it doesn't have to be all or nothing\nIf you decide you want a good portion of your portfolio to be invested in mutual funds, that doesn't mean you have to avoid individual stocks altogether. If you want to test your luck at being an early investor in the next Google, a good compromise could be dedicating a small portion of your portfolio — say, 5% — to individual stock investing.\nStep 4. Set a budget\nNew investors will want to think about two things in this step of the process:\nHow much money do I need to start investing in stocks?\nThe amount of money you need to buy a single stock depends on the share price. Share prices can range from just a few dollars to a few thousand dollars. Some brokerages allow you to invest with fractional shares. Simply put, that means you can choose a dollar amount to invest and own part of a share.\nIf you want mutual funds and have a small budget,\ninvesting in ETFs\nmay be your best bet. Mutual funds often have minimums of $1,000 or more, but ETFs trade like a stock, which means you purchase them for a share price — in some cases, less than $100.\nHow much money should I invest in stocks?\nIf you’re investing through funds, you can allocate a fairly large portion of your portfolio toward stock funds, especially if you have a long time horizon.\nA 30-year-old investing for retirement might have 80% of their portfolio in stock funds, with the rest in bond funds (and perhaps a small portion in individual stocks).\nStep 5. Focus on investing for the long term\nStock market investments have proven to be one of the best ways to grow long-term wealth. Over several decades, the average stock market return has been about 10% per year. However, that’s just an average across the entire market. Some years will be up, some will be down, and individual stocks will vary in their returns.\nFor long-term investors, the stock market is a good investment no matter what’s happening day-to-day or year-to-year; they’re looking for that long-term average.\nThe best thing to do after you start investing in stocks or mutual funds may be the hardest: Don’t look at them. Unless you’re trying to beat the odds and succeed at day trading, it’s good to avoid the habit of checking how your stocks are doing every day.\nTip:\nWhen we say \"long-term investing,\" we generally mean at least five years. That usually gives your portfolio time to ride out any market downturns. If you have a goal that's closer, check out our list of the\nbest short-term investments\n.\nStep 6. Manage your stock portfolio\nWhile fretting over daily fluctuations won’t do much for your portfolio’s health — or your own — there will, of course, be times when you’ll need to check in on your investments.\nIf you follow the steps above to buy mutual funds and individual stocks over time, you’ll want to revisit your portfolio a few times a year to make sure it’s still in line with your investment goals.\nA few things to consider: If you’re approaching retirement, you may want to move some of your stock investments over to more conservative fixed-income investments. If your portfolio is heavily weighted in one sector or industry, consider buying stocks or funds in another sector to diversify.\nPay attention to geographic diversification, too. Vanguard recommends that international stocks make up as much as 40% of the stocks in your portfolio. You can purchase international stock mutual funds to get this exposure\n.\nIf DIY investing feels like too much work ...\nYou may be a good candidate for a robo-advisor, a service that invests your money for you for a small fee. Many of the major brokerage firms and some independent companies offer these services.\nSimilar to shopping for a broker, there are pros and cons to each. Some robo-advisors have very low fees, while others let you talk with a financial advisor if you need extra support or more personalized guidance. It's a good idea to compare robo-advisors to see which ones offer the services you need. Most robo-advisors charge about 0.25% of your account balance.\nFrequently Asked Questions\nWhich stocks are the best investments for beginners?\nWhich stocks are the best investments for beginners?\nHow many stocks should I invest in?\nHow many stocks should I invest in?\nIs now a good time to invest in stocks?\nIs now a good time to invest in stocks?\nAre investing apps safe?\nAre investing apps safe?","attrs_markdown":"[Skip to content](https:\/\/www.nerdwallet.com\/investing\/learn\/how-to-invest-in-stocks#main)[![Nerdwallet icon](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIGhlaWdodD0iMjdweCIgd2lkdGg9IjI3cHgiIHZpZXdCb3g9IjAgMCAzMjUuNzYgMzI1Ljc3IiBhcmlhLWxhYmVsbGVkYnk9Im5hdl9fbG9nby1zaG9ydF9fdGl0bGVfX2hlYWRlciIgPjx0aXRsZSBpZD0ibmF2X19sb2dvLXNob3J0X190aXRsZV9faGVhZGVyIj5OZXJkd2FsbGV0IGljb248L3RpdGxlPjxzeW1ib2wgaWQ9Im53LWxvZ28tbi1oZWFkZXIiPjxwYXRoIGZpbGw9Im5vbmUiIGQ9Ik0xMDguNTkgMjE3LjE4aC0uMDMuMDQtLjAxbTAgMGgtLjAzLjA0LS4wMSIgLz48cGF0aCBmaWxsPSIjMDBhZTRkIiBkPSJNMTA3LjkyLjY0YTEwIDEwIDAgMCAwLTMuNTEtLjY0SDcuMTVBNy4xNSA3LjE1IDAgMCAwIDAgNy4xNXYxMDEuNDR6IiAvPjxwYXRoIGZpbGw9Im5vbmUiIGQ9Ik0xMDguNTkgMjE3LjE4aC0uMDMuMDQtLjAxIiAvPjxwYXRoIGZpbGw9IiMwMGFlNGQiIGQ9Ik0yLjA5IDMyMy42N2E3LjEzIDcuMTMgMCAwIDAgNS4wNiAyLjA5aDk0LjI5YTcuMTUgNy4xNSAwIDAgMCA3LjE1LTcuMTVWMjE3LjE4eiIgLz48cGF0aCBmaWxsPSIjMDA2ODJjIiBkPSJNMjE3LjE3IDEwOC41OXYyMTYuMjlsLjY1LjI3IDEwNy45NC0xMDcuOTd6IiAvPjxwYXRoIGZpbGw9Im5vbmUiIGQ9Ik0xMDguNTkgMjE3LjE4aC0uMDMuMDMiIC8+PHBhdGggZmlsbD0iIzhjY2IzMiIgZD0iTTEwOC41OSAyMTcuMThWLjg4Yy0uMjEtLjEtLjQzLS4yLS42NS0uMjhMMCAxMDguNTl2MjEwYTcuMTMgNy4xMyAwIDAgMCAyLjA5IDUuMDV6bTIxNy4xNyAwVjcuMTVBNy4xNSA3LjE1IDAgMCAwIDMxOC42MSAwaC05NC4yOWE3LjE1IDcuMTUgMCAwIDAtNy4xNSA3LjE0djEwMS40NXptMCAwTDIxNy44MiAzMjUuMTJhMTAgMTAgMCAwIDAgMy41MS42NGg5Ny4yOWE3LjE1IDcuMTUgMCAwIDAgNy4xNS03LjE1VjIxNy4xOHoiIC8+PHBhdGggZmlsbD0iI2QwZDFkMyIgZD0iTTEwOC42IDIxNy4xOGgtLjAxLjAxbTEwOC41OC0xMDguNTkiIC8+PHBhdGggZmlsbD0iIzAwYWU0ZCIgZD0iTTExMS41MiAyLjkzYTkuOTQgOS45NCAwIDAgMC0yLjk0LTJ2MjE2LjI1bDEwNS42NiAxMDUuNjVhMTAgMTAgMCAwIDAgMi45NCAyVjEwOC41OXoiIC8+PC9zeW1ib2w+PHVzZSBocmVmPSIjbnctbG9nby1uLWhlYWRlciIgLz48L3N2Zz4=)![Nerdwallet logo](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20height%3D%2221px%22%20width%3D%22127px%22%20viewBox%3D%22-361.3%20271.3%20128.3%2018.5%22%20aria-hidden%3D%22true%22%20%3E%3Cpath%20fill%3D%22%238DC63F%22%20d%3D%22M-233.4%20279.6h-2.7v5c0%20.6.1%201.1.4%201.4.2.3.7.5%201.3.5.2%200%20.4%200%20.7-.1h.1c.2%200%20.4.1.5.4v2.4c0%20.2-.1.3-.3.4-.2.1-.5.1-.8.2-.5.1-.9.1-1.4.1-.9%200-1.6-.1-2.2-.3-.6-.2-1.1-.5-1.4-.9-.4-.4-.6-.9-.8-1.5-.2-.6-.2-1.2-.2-1.9v-11.7c0-.2.2-.4.4-.4h3c.3%200%20.5.2.5.5l.3%203h2.7c.2%200%20.4.2.4.4v2.4c-.1%200-.3.1-.5.1zm-17.7%204.4c0%20.4.1.7.3%201%20.2.3.4.6.7.8.3.2.6.4%201%20.5.4.1.7.2%201.1.2.7%200%201.3-.1%201.7-.4l.9-.6c.2-.2.4-.2.6%200l1.8%201.9c.2.2.2.5%200%20.6-.5.4-1%20.8-1.6%201.1-1%20.5-2.2.7-3.5.7-1%200-1.9-.2-2.8-.5-.9-.3-1.6-.7-2.3-1.3-.7-.6-1.2-1.3-1.5-2.1-.4-.9-.6-1.8-.6-2.9%200-1.1.2-2%20.5-2.9.4-.9.9-1.6%201.5-2.2.6-.6%201.4-1.1%202.2-1.4.9-.3%201.8-.5%202.8-.5%201%200%201.8.2%202.6.5s1.5.8%202.1%201.4c.6.6%201%201.3%201.3%202.2.3.9.5%201.9.5%203v1h-9.3v-.1zm4.9-4.4c-.4-.5-1.1-.7-1.9-.7-.4%200-.8.1-1.1.2-.3.1-.7.3-.9.5-.3.2-.5.5-.6.8-.2.3-.2.6-.3%201h5.5c-.1-.7-.3-1.3-.7-1.8zm-10.9%209.7h-3.6c-.2%200-.4-.2-.4-.4v-17.3c0-.2.2-.4.4-.4h3.6c.2%200%20.4.2.4.4v17.3c-.1.2-.2.4-.4.4zm-7.2%200h-3.6c-.2%200-.4-.2-.4-.4v-17.3c0-.2.2-.4.4-.4h3.6c.2%200%20.4.2.4.4v17.3c0%20.2-.2.4-.4.4zm-7.1%200h-2.6c-.2%200-.4-.1-.5-.4l-.3-1c-.4.4-1%20.8-1.7%201.1-.6.3-1.3.5-2.1.5h-.7c-1%200-1.8-.2-2.6-.6-.8-.4-1.4-.9-1.9-1.5s-.9-1.4-1.2-2.2c-.3-.8-.4-1.7-.4-2.6%200-.9.1-1.8.4-2.6.3-.8.7-1.5%201.2-2.2.5-.6%201.2-1.1%201.9-1.5.8-.4%201.6-.5%202.5-.5%201.1%200%202%20.2%202.7.5.6.3%201%20.6%201.4.9l.3-1.2c.1-.2.3-.4.5-.4h3c.2%200%20.4.2.4.4v12.7c.1.4-.1.6-.3.6zm-3.9-7.7c-.1-.4-.4-.8-.6-1.1-.3-.3-.6-.6-1-.8-.4-.2-.8-.3-1.3-.3s-.9.1-1.3.3c-.4.2-.7.4-1%20.7-.3.3-.5.7-.6%201.1-.1.4-.2.8-.2%201.2%200%20.4.1.8.2%201.2.1.4.3.8.6%201.1.3.3.6.6%201%20.8.4.2.8.3%201.3.3s.9-.1%201.3-.3c.4-.2.7-.4%201-.8.3-.3.5-.7.6-1.1.1-.4.2-.8.2-1.2%200-.3-.1-.7-.2-1.1zm-14.4%207.4c-.1.2-.2.3-.4.3h-3.8c-.2%200-.3-.1-.4-.3l-2.5-7.8h-.1l-2.4%207.8c0%20.2-.2.3-.4.3h-3.8c-.2%200-.3-.1-.4-.3l-4.2-12.2c-.1-.2.1-.5.4-.5h3.8c.2%200%20.3.1.4.3l2.2%207.9h.1l2.2-7.9c0-.2.2-.3.4-.3h3.7c.2%200%20.3.1.4.3l2.3%207.9h.1l2.2-7.9c0-.2.2-.3.4-.3h3.6c.3%200%20.4.3.4.5l-4.2%2012.2zm-19.5.3h-2.6c-.2%200-.4-.1-.5-.4l-.3-.8c-.4.4-.9.7-1.5%201-.7.4-1.6.5-2.6.6h-.3c-1%200-1.8-.2-2.6-.6-.8-.4-1.4-.9-1.9-1.5s-.9-1.4-1.2-2.2c-.3-.8-.4-1.7-.4-2.6%200-.9.1-1.8.4-2.6.3-.8.7-1.5%201.2-2.2.5-.6%201.2-1.1%201.9-1.5.8-.4%201.6-.5%202.5-.5%201%200%201.8.2%202.4.5.7.4%201.2.8%201.5%201.2h.1v-6.1c0-.2.2-.4.4-.4h3.5c.2%200%20.4.2.4.4v17.3c-.1.2-.2.4-.4.4zm-4-7.7c-.1-.4-.4-.8-.6-1.1-.3-.3-.6-.6-1-.8-.4-.2-.8-.3-1.3-.3s-.9.1-1.3.3c-.4.2-.7.4-1%20.7-.3.3-.5.7-.6%201.1-.1.4-.2.8-.2%201.2%200%20.4.1.8.2%201.2.1.4.3.8.6%201.1.3.3.6.6%201%20.8.4.2.8.3%201.3.3s.9-.1%201.3-.3c.4-.2.7-.4%201-.8.3-.3.5-.7.6-1.1.1-.4.2-.8.2-1.2%200-.3%200-.7-.2-1.1zm-10.2-5.2l-.1%203c0%20.2-.2.4-.4.3h-.7c-.6%200-1.1.1-1.4.3-.4.2-.7.5-.9.8-.2.3-.4.6-.5%201-.1.3-.2.6-.2.9v6.3c0%20.2-.2.4-.4.4h-3.5c-.2%200-.4-.2-.4-.4v-12.2c0-.2.2-.4.4-.4h2.8c.2%200%20.4.2.5.4l.3.9a5%205%200%200%201%201.6-1.1c.2-.1.4-.2.6-.2.5-.2%201-.3%201.5-.3h.6c.1-.1.2.1.2.3zm-19.5%207.6c0%20.4.1.7.3%201%20.2.3.4.6.7.8.3.2.6.4%201%20.5.4.1.7.2%201.1.2.7%200%201.3-.1%201.7-.4l.9-.6c.2-.2.4-.2.6%200l1.8%201.9c.2.2.2.5%200%20.6-.5.4-1%20.8-1.6%201.1-1%20.5-2.2.7-3.5.7-1%200-1.9-.2-2.8-.5-.9-.3-1.6-.7-2.3-1.3-.7-.6-1.2-1.3-1.5-2.1-.4-.9-.6-1.8-.6-2.9%200-1.1.2-2%20.5-2.9.4-.9.9-1.6%201.5-2.2.6-.6%201.4-1.1%202.2-1.4.9-.3%201.8-.5%202.8-.5%201%200%201.8.2%202.6.5s1.5.8%202.1%201.4c.6.6%201%201.3%201.3%202.2.3.9.5%201.9.5%203v1h-9.3v-.1zm4.8-4.4c-.4-.5-1.1-.7-1.9-.7-.4%200-.8.1-1.1.2-.3.1-.7.3-.9.5-.3.2-.5.5-.6.8-.2.3-.2.6-.3%201h5.5c0-.7-.2-1.3-.7-1.8zm-10.7%209.7h-3.6c-.2%200-.4-.2-.4-.4v-6.7c0-.4%200-.7-.1-1l-.3-.9c-.1-.3-.3-.5-.6-.6-.3-.1-.6-.2-1-.2s-.7.1-1%20.2c-.3.1-.5.4-.7.6-.2.3-.3.6-.4.9-.1.3-.1.7-.1%201.1v6.7c0%20.2-.2.4-.4.4h-3.6c-.2%200-.4-.2-.4-.4v-12.2c0-.2.2-.4.4-.4h2.8c.2%200%20.4.1.5.4l.3.8c.4-.4.9-.7%201.5-1%20.7-.3%201.5-.5%202.5-.5h.1c.8%200%201.6.2%202.1.5.6.3%201.1.7%201.5%201.2.4.5.6%201.1.8%201.7.2.6.2%201.3.2%201.9v7.6c.2.1.1.3-.1.3z%22%20%2F%3E%3C%2Fsvg%3E)](https:\/\/www.nerdwallet.com\/)\n\nCredit cards\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\nCredit cards[Explore more credit card resources](https:\/\/www.nerdwallet.com\/credit-cards)\n\nBest credit cards\n\n[Best credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best)[Best credit card bonus offers](https:\/\/www.nerdwallet.com\/credit-cards\/best\/bonus-offers)[Best balance transfer credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/balance-transfer)[Best travel credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/travel)[Best cash back credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/cash-back)[Best 0% APR credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/zero-percent)[Best rewards credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/rewards)[Best airline credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/airline)[Best college student credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/college-student)[Best credit cards for groceries](https:\/\/www.nerdwallet.com\/credit-cards\/best\/groceries)\n\n[Compare credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/compare)\n\nGet a card recommendation\n\n[Travel rewards and perks](https:\/\/www.nerdwallet.com\/recommend\/CreditScore?primaryGoal=travel)[Earn cash back](https:\/\/www.nerdwallet.com\/recommend\/CreditScore?primaryGoal=cashback)[Pay down debt](https:\/\/www.nerdwallet.com\/recommend\/CreditScore?primaryGoal=debt)[Make a big purchase](https:\/\/www.nerdwallet.com\/recommend\/CreditScore?primaryGoal=bigpurchase)[Get your approval odds](https:\/\/www.nerdwallet.com\/m\/credit-cards\/analyze\/get-started)[Card recommendation quiz](https:\/\/www.nerdwallet.com\/prequalify\/credit-cards\/apply\/credit-card-purpose)\n\n[Credit card reviews](https:\/\/www.nerdwallet.com\/credit-cards\/reviews)\n\nCredit card calculators\n\n[Balance transfer savings calculator](https:\/\/www.nerdwallet.com\/credit-cards\/learn\/balance-transfer-calculator)[Credit card interest calculator](https:\/\/www.nerdwallet.com\/credit-cards\/learn\/credit-card-interest-calculator)\n\nGuides and resources\n\n[Get your free credit score](https:\/\/www.nerdwallet.com\/p\/free-credit-score)[Credit card basics](https:\/\/www.nerdwallet.com\/credit-cards\/hubs\/credit-card-basics)[Applying for a credit card](https:\/\/www.nerdwallet.com\/credit-cards\/hubs\/applying-for-a-credit-card)[Choosing a credit card](https:\/\/www.nerdwallet.com\/credit-cards\/hubs\/choosing-a-credit-card)[Managing credit card debt](https:\/\/www.nerdwallet.com\/credit-cards\/hubs\/managing-credit-card-debt)[Credit card resources](https:\/\/www.nerdwallet.com\/credit-cards\/hubs\/credit-card-resources)\n\n[Explore more credit card resources](https:\/\/www.nerdwallet.com\/credit-cards)\n\nBanking\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\nBanking[Explore more banking resources](https:\/\/www.nerdwallet.com\/banking)\n\nSavings accounts\n\n[Best high-yield savings accounts](https:\/\/www.nerdwallet.com\/banking\/best\/high-yield-online-savings-accounts)[Best savings accounts](https:\/\/www.nerdwallet.com\/banking\/best\/savings-accounts)[Savings account alternatives](https:\/\/www.nerdwallet.com\/banking\/hubs\/savings-alternatives)[Savings calculator](https:\/\/www.nerdwallet.com\/banking\/calculators\/savings-calculator)[Explore more savings accounts](https:\/\/www.nerdwallet.com\/banking\/hubs\/savings-accounts)\n\nCDs\n\n[Best CD rates](https:\/\/www.nerdwallet.com\/banking\/best\/cd-rates)[Best 3-month CD rates](https:\/\/www.nerdwallet.com\/banking\/best\/3-month-cd-rates)[Best 6-month CD rates](https:\/\/www.nerdwallet.com\/banking\/best\/6-month-cd-rates)[Best 1-year CD rates](https:\/\/www.nerdwallet.com\/banking\/best\/1-year-cd-rates)[Best 3-year CD rates](https:\/\/www.nerdwallet.com\/banking\/best\/3-year-cd-rates)[Best 5-year CD rates](https:\/\/www.nerdwallet.com\/banking\/best\/5-year-cd-rates)[CD calculator](https:\/\/www.nerdwallet.com\/banking\/calculators\/cd-calculator)[Explore more CDs](https:\/\/www.nerdwallet.com\/banking\/hubs\/certificates-of-deposit)\n\nChecking accounts\n\n[Best checking accounts](https:\/\/www.nerdwallet.com\/banking\/best\/checking-accounts)[Best free checking accounts](https:\/\/www.nerdwallet.com\/banking\/best\/free-checking-accounts)[Best online checking accounts](https:\/\/www.nerdwallet.com\/banking\/best\/online-checking-accounts)[Checking account alternatives](https:\/\/www.nerdwallet.com\/banking\/learn\/big-bank-alternatives)[Explore more checking accounts](https:\/\/www.nerdwallet.com\/banking\/hubs\/checking-accounts)\n\nNerdWallet's banking picks\n\n[Best bank bonuses and promotions](https:\/\/www.nerdwallet.com\/banking\/best\/bank-bonuses-and-promotions)[Best online banks](https:\/\/www.nerdwallet.com\/banking\/best\/online-banks)[Best money market accounts](https:\/\/www.nerdwallet.com\/banking\/best\/money-market-accounts)[Best credit unions](https:\/\/www.nerdwallet.com\/banking\/best\/credit-unions)\n\n[Bank reviews](https:\/\/www.nerdwallet.com\/banking\/reviews)\n\nBanking calculators\n\n[Compound interest calculator](https:\/\/www.nerdwallet.com\/banking\/calculators\/compound-interest-calculator)[Emergency fund calculator](https:\/\/www.nerdwallet.com\/banking\/learn\/emergency-fund-calculator)\n\n[Explore more banking resources](https:\/\/www.nerdwallet.com\/banking)\n\nHome\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\nHome[Explore more home resources](https:\/\/www.nerdwallet.com\/mortgages)\n\nMortgage rates\n\n[Today's mortgage rates](https:\/\/www.nerdwallet.com\/mortgages\/mortgage-rates)[30 year mortgage rates](https:\/\/www.nerdwallet.com\/mortgages\/mortgage-rates\/30-year-fixed)[5-year ARM rates](https:\/\/www.nerdwallet.com\/mortgages\/mortgage-rates\/5-1-arm)[FHA mortgage rates](https:\/\/www.nerdwallet.com\/mortgages\/mortgage-rates\/fha)[VA mortgage rates](https:\/\/www.nerdwallet.com\/mortgages\/mortgage-rates\/va)[Best mortgage lenders](https:\/\/www.nerdwallet.com\/mortgages\/best\/mortgage-lenders)\n\nBest mortgage lenders\n\n[Best mortgage lenders](https:\/\/www.nerdwallet.com\/mortgages\/best\/mortgage-lenders)[Best lenders for FHA loans](https:\/\/www.nerdwallet.com\/mortgages\/best\/lenders-for-fha-loans)[Best lenders for low- and no-down-payment](https:\/\/www.nerdwallet.com\/mortgages\/best\/no-and-low-down-payment-lenders)[Best VA mortgage lenders](https:\/\/www.nerdwallet.com\/mortgages\/best\/va-mortgage-lenders)\n\nRefinance and HELOC\n\n[Today's refinance rates](https:\/\/www.nerdwallet.com\/mortgages\/refinance-rates)[Best refinance lenders](https:\/\/www.nerdwallet.com\/mortgages\/best\/refinance-lenders)[30-year fixed refinance rates](https:\/\/www.nerdwallet.com\/mortgages\/refinance-rates)[15-year fixed refinance rates](https:\/\/www.nerdwallet.com\/mortgages\/mortgage-rates\/15-year-fixed)[Best cash-out refinance lenders](https:\/\/www.nerdwallet.com\/mortgages\/best\/cash-out-refinance-lenders)[Best HELOC Lenders](https:\/\/www.nerdwallet.com\/mortgages\/best\/heloc-lenders)\n\nBuying a home\n\n[Compare top mortgage lenders](https:\/\/www.nerdwallet.com\/mortgages\/top-mortgage-lenders)[First-time homebuyers guide](https:\/\/www.nerdwallet.com\/mortgages\/hubs\/first-time-homebuyers)[How much can I borrow mortgage calculator](https:\/\/www.nerdwallet.com\/mortgages\/calculators\/how-much-can-i-borrow)[Mortgage lender reviews](https:\/\/www.nerdwallet.com\/mortgages\/reviews)\n\nHomeownership\n\n[Home improvement](https:\/\/www.nerdwallet.com\/home-ownership)[Home value](https:\/\/www.nerdwallet.com\/mortgages\/learn\/how-to-determine-home-value)[Home insurance](https:\/\/www.nerdwallet.com\/insurance\/homeowners)[Explore more homeownership resources](https:\/\/www.nerdwallet.com\/home-ownership)\n\nHome calculators\n\n[Mortgage calculator](https:\/\/www.nerdwallet.com\/mortgages\/calculators\/mortgage-calculator)[Down payment calculator](https:\/\/www.nerdwallet.com\/mortgages\/learn\/how-much-down-payment-for-house)[How much house can I afford calculator](https:\/\/www.nerdwallet.com\/mortgages\/calculators\/how-much-house-can-i-afford)[Closing costs calculator](https:\/\/www.nerdwallet.com\/mortgages\/calculators\/closing-costs)[Cost of living calculator](https:\/\/www.nerdwallet.com\/cost-of-living-calculator)[Mortgage amortization calculator](https:\/\/www.nerdwallet.com\/mortgages\/calculators\/amortization)[Refinance calculator](https:\/\/www.nerdwallet.com\/mortgages\/calculators\/refinance-calculator)[Rent vs buy calculator](https:\/\/www.nerdwallet.com\/mortgages\/calculators\/rent-vs-buy-calculator)\n\n[First-time homebuyer's guide](https:\/\/www.nerdwallet.com\/mortgages\/hubs\/first-time-homebuyers)\n\n[Today's mortgage news](https:\/\/www.nerdwallet.com\/mortgages\/news)\n\n[Explore more home resources](https:\/\/www.nerdwallet.com\/mortgages)\n\nLoans\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\nLoans\n\nPersonal loans\n\n[Pre-qualify for a personal loan](https:\/\/www.nerdwallet.com\/personal-loans\/pre-qualify)[Compare top lenders](https:\/\/www.nerdwallet.com\/personal-loans)[Personal loan reviews](https:\/\/www.nerdwallet.com\/personal-loans\/reviews)[Personal loan calculator](https:\/\/www.nerdwallet.com\/personal-loans\/calculators\/loan-payment)[How to qualify](https:\/\/www.nerdwallet.com\/personal-loans\/learn\/what-are-the-requirements-for-a-personal-loan)[How to consolidate credit card debt](https:\/\/www.nerdwallet.com\/personal-loans\/learn\/how-to-consolidate-credit-card-debt)[Average personal loan interest rates](https:\/\/www.nerdwallet.com\/personal-loans\/learn\/average-personal-loan-rates)[Explore more personal loan resources](https:\/\/www.nerdwallet.com\/personal-loans\/learn)\n\nNerdWallet's Picks[Best personal loans](https:\/\/www.nerdwallet.com\/personal-loans)[Best debt consolidation loans](https:\/\/www.nerdwallet.com\/personal-loans\/best\/debt-consolidation-loans)[Best loans for bad credit](https:\/\/www.nerdwallet.com\/personal-loans\/best\/bad-credit-loans)[Best home improvement loans](https:\/\/www.nerdwallet.com\/personal-loans\/best\/home-improvement-loans)\n\nStudent loans\n\n[Paying for college](https:\/\/www.nerdwallet.com\/student-loans\/hubs\/paying-for-college)[FAFSA and federal student aid](https:\/\/www.nerdwallet.com\/student-loans\/hubs\/fafsa-and-federal-student-aid)[Taking out student loans](https:\/\/www.nerdwallet.com\/student-loans\/learn\/how-to-get-student-loan)[Paying off student loans](https:\/\/www.nerdwallet.com\/student-loans\/learn\/pay-off-student-loans-fast)[Student loan refinance](https:\/\/www.nerdwallet.com\/student-loans\/refinancing)[Student loan interest rates](https:\/\/www.nerdwallet.com\/student-loans\/learn\/student-loan-interest-rates)[Student loan calculator](https:\/\/www.nerdwallet.com\/student-loans\/learn\/student-loan-calculator)[Explore more student loan resources](https:\/\/www.nerdwallet.com\/student-loans)\n\nNerdWallet's Picks[Best private student loans](https:\/\/www.nerdwallet.com\/student-loans\/best\/private-student-loans)[Best graduate school loans](https:\/\/www.nerdwallet.com\/student-loans\/best\/graduate-school-loans)[Best student refinance lenders](https:\/\/www.nerdwallet.com\/student-loans\/best\/student-loan-refinance-companies)[Best parent loans for college](https:\/\/www.nerdwallet.com\/student-loans\/best\/parent-loans-college)\n\nAuto loans\n\n[Best auto loans for good and bad credit](https:\/\/www.nerdwallet.com\/auto-loans\/best\/auto-loans-for-good-fair-and-bad-credit)[Best auto loans refinance loans](https:\/\/www.nerdwallet.com\/auto-loans\/best\/refinance-car-loan)[Best lease buyout loans](https:\/\/www.nerdwallet.com\/auto-loans\/best\/lease-buyout-loans)[Explore more auto loan resources](https:\/\/www.nerdwallet.com\/auto-loans)\n\nAuto loan calculators[Auto loan calculator](https:\/\/www.nerdwallet.com\/auto-loans\/calculators\/auto-loan-calculator)[Auto loans refinance calculator](https:\/\/www.nerdwallet.com\/auto-loans\/calculators\/auto-loan-refinance-calculator)[Total car cost calculator](https:\/\/www.nerdwallet.com\/auto-loans\/learn\/total-cost-owning-car)\n\nInsurance\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\nInsurance[Explore more insurance resources](https:\/\/www.nerdwallet.com\/insurance)\n\nAuto insurance\n\n[Compare car insurance quotes](https:\/\/www.nerdwallet.com\/insurance\/auto\/car-insurance)[Best car insurance companies](https:\/\/www.nerdwallet.com\/insurance\/auto\/best-car-insurance-companies)[Cheapest car insurance companies](https:\/\/www.nerdwallet.com\/insurance\/auto\/cheapest-car-insurance)[Car insurance reviews](https:\/\/www.nerdwallet.com\/insurance\/auto\/hubs\/car-insurance-reviews)[Auto insurance calculator](https:\/\/www.nerdwallet.com\/insurance\/auto\/car-insurance-calculator)[Explore more auto insurance resources](https:\/\/www.nerdwallet.com\/insurance\/auto)\n\nCheapest car insurance by state[California car insurance](https:\/\/www.nerdwallet.com\/insurance\/auto\/cheap-car-insurance-california)[Texas car insurance](https:\/\/www.nerdwallet.com\/insurance\/auto\/cheap-car-insurance-texas)[New York car insurance](https:\/\/www.nerdwallet.com\/insurance\/auto\/cheap-car-insurance-new-york)[Georgia car insurance](https:\/\/www.nerdwallet.com\/insurance\/auto\/cheap-car-insurance-georgia)[Michigan car insurance](https:\/\/www.nerdwallet.com\/insurance\/auto\/cheap-car-insurance-michigan)[Washington car insurance](https:\/\/www.nerdwallet.com\/insurance\/auto\/cheap-car-insurance-washington)\n\nLife insurance\n\n[Compare life insurance quotes](https:\/\/www.nerdwallet.com\/insurance\/life\/life-insurance-quotes)[Best life insurance companies](https:\/\/www.nerdwallet.com\/insurance\/life\/best-life-insurance-companies)[Choosing a life insurance policy](https:\/\/www.nerdwallet.com\/insurance\/life\/life-insurance-policies)[Life insurance reviews](https:\/\/www.nerdwallet.com\/insurance\/life\/hubs\/life-insurance-reviews)[Life insurance calculator](https:\/\/www.nerdwallet.com\/insurance\/life\/learn\/how-much-life-insurance-do-i-need)[Explore more life insurance resources](https:\/\/www.nerdwallet.com\/insurance\/life)\n\nNerdWallet's Picks[Best term life insurance](https:\/\/www.nerdwallet.com\/insurance\/life\/best-term-life-insurance)[Best whole life insurance](https:\/\/www.nerdwallet.com\/insurance\/life\/best-whole-life-insurance)[Best life insurance for seniors](https:\/\/www.nerdwallet.com\/insurance\/life\/best-senior-life-insurance)[Best burial insurance](https:\/\/www.nerdwallet.com\/insurance\/life\/best-burial-insurance)[Best instant life insurance](https:\/\/www.nerdwallet.com\/insurance\/life\/best-instant-life-insurance)\n\nHome insurance\n\n[Compare home insurance quotes](https:\/\/www.nerdwallet.com\/insurance\/homeowners\/home-insurance-quotes)[Best home insurance companies](https:\/\/www.nerdwallet.com\/insurance\/homeowners\/best-home-insurance-companies)[Home insurance reviews](https:\/\/www.nerdwallet.com\/insurance\/homeowners\/hubs\/home-insurance-reviews)[Home insurance calculator](https:\/\/www.nerdwallet.com\/insurance\/homeowners\/home-insurance-calculator)[Home insurance costs](https:\/\/www.nerdwallet.com\/insurance\/homeowners\/learn\/average-homeowners-insurance-cost)[Explore more home insurance resources](https:\/\/www.nerdwallet.com\/insurance\/homeowners)\n\nHome insurance by state[Best home insurance in New York](https:\/\/www.nerdwallet.com\/insurance\/homeowners\/new-york-home-insurance)[Best home insurance in Arizona](https:\/\/www.nerdwallet.com\/insurance\/homeowners\/arizona-home-insurance)[Best home insurance in Massachusetts](https:\/\/www.nerdwallet.com\/insurance\/homeowners\/massachusetts-home-insurance)[Best home insurance in Virginia](https:\/\/www.nerdwallet.com\/insurance\/homeowners\/virginia-home-insurance)[Best home insurance in New Hampshire](https:\/\/www.nerdwallet.com\/insurance\/homeowners\/new-hampshire-home-insurance)\n\nPet insurance\n\n[Best pet insurance](https:\/\/www.nerdwallet.com\/insurance\/pet\/best-pet-insurance-companies)[Cheapest pet insurance](https:\/\/www.nerdwallet.com\/insurance\/pet\/cheap-pet-insurance)[What pet insurance covers](https:\/\/www.nerdwallet.com\/insurance\/pet\/learn\/pet-insurance-coverage)[Pet insurance costs](https:\/\/www.nerdwallet.com\/insurance\/pet\/learn\/cost-of-pet-insurance)[Explore more pet insurance resources](https:\/\/www.nerdwallet.com\/insurance\/pet)\n\nMedicare\n\n[How Medicare works](https:\/\/www.nerdwallet.com\/insurance\/medicare\/learn\/what-is-medicare)[Medicare eligibility](https:\/\/www.nerdwallet.com\/insurance\/medicare\/learn\/medicare-eligibility)[How to sign up for Medicare](https:\/\/www.nerdwallet.com\/insurance\/medicare\/learn\/how-do-i-sign-up-for-medicare)[Medicare costs](https:\/\/www.nerdwallet.com\/insurance\/medicare\/learn\/medicare-premiums-and-deductibles)[What's covered under Medicare](https:\/\/www.nerdwallet.com\/insurance\/medicare\/learn\/what-is-medicare)[Explore more Medicare resources](https:\/\/www.nerdwallet.com\/insurance\/medicare)\n\nNerdWallet's Picks[Best Medicare Advantage plans](https:\/\/www.nerdwallet.com\/insurance\/medicare\/best-medicare-advantage-plans)[Best Medigap companies](https:\/\/www.nerdwallet.com\/insurance\/medicare\/best-medigap-insurance-companies)[Best Medigap Plan G companies](https:\/\/www.nerdwallet.com\/insurance\/medicare\/best-medigap-plan-g-companies)[Best Medicare Part D plans](https:\/\/www.nerdwallet.com\/insurance\/medicare\/best-medicare-part-d-plans)[Best Medicare dental plans](https:\/\/www.nerdwallet.com\/insurance\/medicare\/best-medicare-dental-plans)\n\nRenters insurance\n\n[Best renters insurance](https:\/\/www.nerdwallet.com\/insurance\/renters\/best-renters-insurance-companies)[Cheapest renters insurance](https:\/\/www.nerdwallet.com\/insurance\/renters\/cheap-renters-insurance)[Explore more renters insurance resources](https:\/\/www.nerdwallet.com\/insurance\/renters)\n\n[Explore more insurance resources](https:\/\/www.nerdwallet.com\/insurance)\n\nPersonal finance\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\nPersonal finance[Explore more resources](https:\/\/www.nerdwallet.com\/finance)\n\nTracking credit\n\n[Get your free credit score](https:\/\/www.nerdwallet.com\/p\/free-credit-score)[Your credit report](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-use-annualcreditreport-com)[Understanding your credit score](https:\/\/www.nerdwallet.com\/finance\/hubs\/the-ultimate-credit-score-guide)[Using your credit](https:\/\/www.nerdwallet.com\/finance\/learn\/how-is-credit-utilization-ratio-calculated)[Improving your credit](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-build-credit)[Protecting your credit](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-freeze-credit)\n\nManaging money\n\n[Saving money](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-save-money)[Handling bills and expenses](https:\/\/www.nerdwallet.com\/finance\/learn\/tracking-monthly-expenses)[Shopping](https:\/\/www.nerdwallet.com\/finance\/hubs\/shopping)[Financial health](https:\/\/www.nerdwallet.com\/finance\/learn\/financial-health)[Savings goal calculator](https:\/\/www.nerdwallet.com\/finance\/learn\/savings-goal-calculator)[Net worth calculator](https:\/\/www.nerdwallet.com\/investing\/calculators\/net-worth-calculator)[Explore more money management](https:\/\/www.nerdwallet.com\/finance\/hubs\/money-management)\n\nNerdWallet's budgeting basics[Budgeting](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-budget)[Free budget worksheet](https:\/\/www.nerdwallet.com\/finance\/learn\/budget-worksheet)[How to budget](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-budget)[The best budget apps](https:\/\/www.nerdwallet.com\/finance\/learn\/best-budget-apps)[Budget calculator](https:\/\/www.nerdwallet.com\/finance\/calculators\/nerdwallet-budget-calculator)[Cost of living calculator](https:\/\/www.nerdwallet.com\/cost-of-living-calculator)\n\nMaking money\n\n[Gig work](https:\/\/www.nerdwallet.com\/finance\/learn\/what-is-the-gig-economy)[Making money online](https:\/\/www.nerdwallet.com\/finance\/learn\/game-apps-pay-real-money)[Explore more money making resources](https:\/\/www.nerdwallet.com\/finance\/hubs\/making-money)\n\nManaging debt\n\n[Paying debt](https:\/\/www.nerdwallet.com\/personal-loans\/learn\/pay-off-debt)[Dealing with debt collection](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-deal-with-debt-collectors)[Debt relief](https:\/\/www.nerdwallet.com\/personal-loans\/learn\/find-debt-relief)[Explore more debt management resources](https:\/\/www.nerdwallet.com\/finance\/hubs\/paying-off-debt)\n\nTravel\n\n[Best travel credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/travel)[Travel insurance](https:\/\/www.nerdwallet.com\/travel\/hubs\/travel-insurance)[Explore more travel resources](https:\/\/www.nerdwallet.com\/travel)\n\n[Explore more resources](https:\/\/www.nerdwallet.com\/finance)\n\nInvesting\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\nInvesting[Explore more investing resources](https:\/\/www.nerdwallet.com\/investing)\n\nBest investment accounts\n\n[Best brokerage accounts](https:\/\/www.nerdwallet.com\/investing\/best\/online-brokers-for-stock-trading)[Best robo-advisors](https:\/\/www.nerdwallet.com\/investing\/best\/robo-advisors)[Best trading platforms](https:\/\/www.nerdwallet.com\/investing\/best\/online-brokers-platforms-for-day-trading)[Best online brokers for beginners](https:\/\/www.nerdwallet.com\/investing\/best\/online-brokers-for-beginners)[Best Roth IRA accounts](https:\/\/www.nerdwallet.com\/retirement\/best\/roth-ira-accounts)[Best IRA accounts](https:\/\/www.nerdwallet.com\/retirement\/best\/ira-accounts)[Best investing apps](https:\/\/www.nerdwallet.com\/investing\/best\/investment-apps)[Explore more investment accounts](https:\/\/www.nerdwallet.com\/investing\/reviews)\n\nInvestments\n\n[Best investments right now](https:\/\/www.nerdwallet.com\/investing\/learn\/the-best-investments-right-now)[Stocks](https:\/\/www.nerdwallet.com\/investing\/hubs\/stocks)[Funds](https:\/\/www.nerdwallet.com\/investing\/learn\/how-to-invest-in-mutual-funds)[Bonds](https:\/\/www.nerdwallet.com\/investing\/hubs\/bonds)[Cryptocurrency](https:\/\/www.nerdwallet.com\/investing\/hubs\/cryptocurrency)[Real estate and alternative investments](https:\/\/www.nerdwallet.com\/investing\/hubs\/real-estate-alternative-investments)\n\nRetirement\n\n[Roth IRA basics](https:\/\/www.nerdwallet.com\/retirement\/learn\/what-is-a-roth-ira)[IRA basics](https:\/\/www.nerdwallet.com\/retirement\/learn\/learn-about-ira-accounts)[401(k)s](https:\/\/www.nerdwallet.com\/retirement\/learn\/what-is-a-401k)[Self-employed retirement plans](https:\/\/www.nerdwallet.com\/retirement\/learn\/retirement-plans-self-employed)[Social Security](https:\/\/www.nerdwallet.com\/investing\/hubs\/social-security)[Explore more retirement resources](https:\/\/www.nerdwallet.com\/retirement)\n\nInvesting and retirement calculators\n\n[Retirement calculator](https:\/\/www.nerdwallet.com\/investing\/calculators\/retirement-calculator)[401(k) calculator](https:\/\/www.nerdwallet.com\/retirement\/calculators\/401k-calculator)[Roth IRA calculator](https:\/\/www.nerdwallet.com\/investing\/calculators\/roth-ira-calculator)[Investment return calculator](https:\/\/www.nerdwallet.com\/investing\/calculators\/investment-calculator)[Social Security benefits calculator](https:\/\/www.nerdwallet.com\/investing\/calculators\/social-security-calculator)[Inflation calculator](https:\/\/www.nerdwallet.com\/finance\/calculators\/inflation-calculator)\n\nFinancial advisors\n\n[Best financial advisors](https:\/\/www.nerdwallet.com\/financial-advisors\/best)[How to choose a financial advisor](https:\/\/www.nerdwallet.com\/financial-advisors\/learn\/how-to-choose-a-financial-advisor)[Financial advisor fees](https:\/\/www.nerdwallet.com\/financial-advisors\/learn\/how-much-does-a-financial-advisor-cost)\n\n[Explore more investing resources](https:\/\/www.nerdwallet.com\/investing)\n\nSmall business\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\nSmall business[Explore more small-business resources](https:\/\/www.nerdwallet.com\/business)\n\nFunding your business\n\n[Small-business loans](https:\/\/www.nerdwallet.com\/business\/loans\/best)[SBA loans](https:\/\/www.nerdwallet.com\/business\/loans\/learn\/sba-loans)[Business lines of credit](https:\/\/www.nerdwallet.com\/business\/loans\/best\/business-line-of-credit)[Business grants](https:\/\/www.nerdwallet.com\/business\/loans\/learn\/small-business-grants)[Startup business loans](https:\/\/www.nerdwallet.com\/business\/loans\/learn\/startup-business-loans)\n\nResources and Tools[Business loan rates](https:\/\/www.nerdwallet.com\/business\/loans\/learn\/rates-fees)[SBA loan rates](https:\/\/www.nerdwallet.com\/business\/loans\/learn\/sba-loan-rates)[Business loan calculator](https:\/\/www.nerdwallet.com\/business\/loans\/calculators\/business-loan)[SBA loan calculator](https:\/\/www.nerdwallet.com\/business\/loans\/calculators\/sba-loan)\n\nManaging business finances\n\n[Business bank accounts](https:\/\/www.nerdwallet.com\/business\/banking\/best\/types)[Business credit cards](https:\/\/www.nerdwallet.com\/business\/credit-cards\/best)[Accounting software](https:\/\/www.nerdwallet.com\/business\/software\/best\/accounting-software)[Business taxes](https:\/\/www.nerdwallet.com\/business\/taxes)\n\nExplore business credit cards[Best 0% APR business credit cards](https:\/\/www.nerdwallet.com\/business\/credit-cards\/best\/zero-percent-apr)[Best cash-back business credit cards](https:\/\/www.nerdwallet.com\/business\/credit-cards\/best\/cash-back)[Best travel business credit cards](https:\/\/www.nerdwallet.com\/business\/credit-cards\/best\/travel)[Best startup business credit cards](https:\/\/www.nerdwallet.com\/business\/credit-cards\/best\/startups)[Best LLC business credit cards](https:\/\/www.nerdwallet.com\/business\/credit-cards\/best\/llc)[Best business credit cards for gas](https:\/\/www.nerdwallet.com\/business\/credit-cards\/best\/gas)\n\nStarting a business\n\n[How to start a business](https:\/\/www.nerdwallet.com\/business\/learn\/how-to-start-a-business)[Business ideas](https:\/\/www.nerdwallet.com\/business\/hubs\/business-ideas)[Writing a business plan](https:\/\/www.nerdwallet.com\/business\/learn\/how-to-write-a-business-plan)[Entrepreneurship](https:\/\/www.nerdwallet.com\/business\/hubs\/entrepreneurship)\n\nRunning your business\n\n[Payment processing companies](https:\/\/www.nerdwallet.com\/business\/software\/best\/payment-processing-companies)[Business insurance](https:\/\/www.nerdwallet.com\/business\/insurance\/best)[Business legal](https:\/\/www.nerdwallet.com\/business\/legal)\n\n[Explore more small-business resources](https:\/\/www.nerdwallet.com\/business)\n\nTaxes\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\nTaxes[Explore more tax resources](https:\/\/www.nerdwallet.com\/taxes)\n\nTax brackets and rates\n\n[Tax brackets](https:\/\/www.nerdwallet.com\/taxes\/learn\/federal-income-tax-brackets)[Capital gains tax rates](https:\/\/www.nerdwallet.com\/taxes\/learn\/capital-gains-tax-rates)[State tax rates](https:\/\/www.nerdwallet.com\/taxes\/learn\/state-income-tax-rates)\n\nTax calculators\n\n[Federal income tax calculator](https:\/\/www.nerdwallet.com\/taxes\/calculators\/tax-calculator)[Capital gains tax calculator](https:\/\/www.nerdwallet.com\/taxes\/calculators\/capital-gains-tax-calculator)\n\nTax preparation and filing\n\n[Tax withholding](https:\/\/www.nerdwallet.com\/taxes\/learn\/how-to-fill-out-form-w4-guide)[Tax credits and deductions](https:\/\/www.nerdwallet.com\/taxes\/learn\/tax-deductions-tax-breaks)[Choosing a filing status](https:\/\/www.nerdwallet.com\/taxes\/learn\/how-to-choose-tax-filing-status)[Free tax filing](https:\/\/www.nerdwallet.com\/taxes\/learn\/free-tax-filing-how-to-file-taxes-for-free)[Best tax software](https:\/\/www.nerdwallet.com\/taxes\/reviews)\n\nSolving tax issues\n\n[Tax extensions](https:\/\/www.nerdwallet.com\/taxes\/learn\/how-to-get-tax-extension-online)[Filing past-due returns](https:\/\/www.nerdwallet.com\/taxes\/learn\/back-taxes-past-due-returns)[IRS payment plans](https:\/\/www.nerdwallet.com\/taxes\/learn\/how-to-set-up-irs-payment-plan)[Tax debt relief and resolution](https:\/\/www.nerdwallet.com\/taxes\/learn\/tax-relief-back-taxes)\n\n[Explore more tax resources](https:\/\/www.nerdwallet.com\/taxes)\n\n![Search](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2220%22%20height%3D%2220%22%20viewBox%3D%221518%20257.8%20100%20100%22%20%3E%3Cpath%20fill%3D%22currentColor%22%20d%3D%22M1591.5%20324.2c5.8-7.5%208.7-15.9%208.7-25.3%200-5.5-1-10.7-3.1-15.8-2.1-5-5.1-9.5-9-13.3-3.9-3.9-8.3-6.8-13.3-8.9s-10.3-3.1-15.8-3.1-10.7%201-15.7%203.1-9.5%205-13.4%208.9c-3.9%203.9-6.8%208.3-8.9%2013.3-2.1%205-3.1%2010.3-3.1%2015.8s1%2010.7%203.1%2015.8c2.1%205%205%209.5%208.9%2013.3%203.9%203.9%208.4%206.8%2013.4%208.9s10.2%203.1%2015.7%203.1c9.4%200%2017.9-2.9%2025.3-8.7l26.5%2026.5%207.1-7.1-26.4-26.5zm-63.5-25.3c0-8.6%203-15.9%209.1-22%206-6%2013.4-9.1%2022-9.1s15.9%203%2022%209.1c6%206.1%209.1%2013.5%209.1%2022%200%208.6-3%2015.9-9.1%2022s-13.4%209.1-22%209.1-15.9-3-22-9.1-9.1-13.4-9.1-22z%22%20%2F%3E%3C%2Fsvg%3E)\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\n[Sign In](https:\/\/www.nerdwallet.com\/api\/nts\/v1\/login?initialScreen=signin&redirectTo=https%3A%2F%2Fwww.nerdwallet.com%2Finvesting%2Flearn%2Fhow-to-invest-in-stocks)[JoinSign Up](https:\/\/www.nerdwallet.com\/api\/nts\/v1\/login?initialScreen=signup&redirectTo=https%3A%2F%2Fwww.nerdwallet.com%2Finvesting%2Flearn%2Fhow-to-invest-in-stocks)\n\n![Notifications](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2220%22%20height%3D%2220%22%20viewBox%3D%220%200%2016%2016%22%20aria-hidden%3D%22true%22%20fill%3D%22currentcolor%22%20focusable%3D%22false%22%20%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M11.55%207.335c0%201.982.704%202.685%201.145%203.125.037.037.072.071.104.105a.616.616%200%2001.201.438c.004.354-.29.666-.737.666H9.33c0%20.748-.586%201.33-1.32%201.33-.754%200-1.34-.582-1.34-1.33H3.714c-.446%200-.714-.312-.714-.667%200-.145.045-.312.179-.437l.103-.105c.442-.44%201.147-1.143%201.147-3.125%200-1.605%201.205-2.897%202.857-3.23v-.438C7.286%203.313%207.598%203%208%203c.38%200%20.692.313.692.667v.438c1.652.333%202.857%201.625%202.857%203.23zm-7.054%203.334c.468-.563%201.017-1.542%201.01-3.313v-.021C5.506%206.063%206.616%205%208%205c1.362%200%202.5%201.062%202.5%202.334l-.002.02c0%201.772.515%202.751.984%203.314H4.496z%22%20%3E%3C%2Fpath%3E%3C%2Fsvg%3E)\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\n[![](data:image\/svg+xml;base64,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)My NerdWallet](https:\/\/www.nerdwallet.com\/home\/dashboard\/home)\n\nWelcome Back,\n\n![](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIGZpbGw9Im5vbmUiIHZpZXdCb3g9IjAgMCA0NzMgMjI4Ij48cGF0aCBmaWxsPSIjRTBGM0ZGIiBkPSJNMjM3IDBDMTExLjYzMSAwIDEwIDEwMS45MSAxMCAyMjcuNjIyaDQ1NEM0NjQgMTAxLjkxIDM2Mi4zNjkgMCAyMzcgMFoiID48L3BhdGg+PHBhdGggZmlsbD0iI0Y3RjhGOSIgZD0iTTE1MC4yODkgMTIyLjQzOWgtMzEuOHYxMDQuNzZoMzEuOHYtMTA0Ljc2WiI+PC9wYXRoPjxwYXRoIGZpbGw9IiNFQ0VCRUMiIGQ9Ik0yNjkgMTIySDE1MHYxMDVoMTE5VjEyMloiPjwvcGF0aD48cGF0aCBmaWxsPSIjRTRFNkVCIiBkPSJtMTM0LjM4OSAyMTkuNDQ5LTE1LjkgNy43NWgzMS44bC0xNS45LTcuNzVaIj48L3BhdGg+PHBhdGggc3Ryb2tlPSIjRkY0QzJCIiBzdHJva2UtbWl0ZXJsaW1pdD0iMTAiIHN0cm9rZS13aWR0aD0iMiIgZD0iTTE4NS4zNTkgMTI2LjQyYzIuNDcuODggMi4xMiA1LjggMi4xMiA1Ljh2MTcuMDRjMCAxMC42MiA2LjgzIDE5LjI0IDE1LjI2IDE5LjI0czE1LjI2LTguNjEgMTUuMjYtMTkuMjR2LTE3LjA0cy40NS00LjkyLTEuODctNS44IiA+PC9wYXRoPjxwYXRoIHN0cm9rZT0iI0ZGQjgwOSIgc3Ryb2tlLW1pdGVybGltaXQ9IjEwIiBzdHJva2Utd2lkdGg9IjUuMjc0IiBkPSJNMjg4Ljg2IDk5LjA4di0yMS4yYzAtMTMuMjIgMTAuNzItMjMuOTMgMjMuOTMtMjMuOTMgMTMuMjIgMCAyMy45MyAxMC43MiAyMy45MyAyMy45M3YyMS4yIiA+PC9wYXRoPjxwYXRoIGZpbGw9IiMwMDY2NDIiIGQ9Ik0yOTYuMTggOTkuNDdjLjA3LTIuMjEuMDEtNC4zOS0uOC02LjQ0LTIuMjUtNS42NS04LjQyLTkuMDktOS41Ni0xNS4zLS42MS0zLjMxLjY3LTYuMjguNzctOS41OC4xNi00Ljg4LTQuOTctOC45LTYuNTktMTMuMjMtMS41OS00LjI2LS44OC05LjM5IDIuMDctMTMuNDEgMS43Ni0yLjM5IDQuMy00LjMzIDcuMTUtNS41MyAyLjg5LTEuMDggNi4wOC0xLjQgOS0uODUgNC45MS45MiA4LjkyIDQuMTkgMTAuNjcgOC4zOCAxLjc4IDQuMjYuNzcgMTAuNyA0LjIyIDE0LjE2IDIuMzMgMi4zNCA1LjI5IDMuNjMgNy4xMSA2LjQ3IDMuNiA1LjYyIDEuMjQgMTIuNTggMy43OSAxOC41NCAxLjY1IDMuODUgNS45OSA1LjQ5IDguNTEgOC42OSA0LjI2IDUuNDMgMi41OCAxMi42NS0xLjA2IDE4LjYxLTQuODEgNy44OC0xNS4wNCAxMC42Ny0yMy41MSA4LjA3LTQuMjUtMS4zMS03LjkyLTMuODgtMTAuMTUtNy4zNy0yLjI1LTMuNTItMS43NC03LjQyLTEuNjItMTEuMjFaIiA+PC9wYXRoPjxwYXRoIGZpbGw9IiM0MEFEODciIGQ9Ik0yOTYuMTEgODYuMjljMS40OS0xLjY0IDIuODUtMy4zNCAzLjU1LTUuNDMgMS45NC01Ljc2LS41My0xMi4zOCAyLjYyLTE3Ljg1IDEuNjgtMi45MiA0LjU3LTQuMzYgNi43OS02LjggMy4yOC0zLjYyIDEuOTctMTAuMDEgMy41NC0xNC4zNSAxLjU1LTQuMjggNS40LTcuNzMgMTAuMjYtOC44OCAyLjg5LS42OSA2LjA5LS41MiA5LjAzLjQyIDIuOSAxLjA1IDUuNTQgMi44NyA3LjQxIDUuMTggMy4xNCAzLjg4IDQuMDkgOC45NyAyLjcxIDEzLjMtMS40IDQuNC02LjM0IDguNjYtNS45NSAxMy41My4yNiAzLjI5IDEuNjggNi4xOSAxLjIzIDkuNTMtLjg5IDYuNjEtNy4yIDEwLjM5LTkuMTEgMTYuNTgtMS4yMyA0IDEuMDEgOC4wNy44NiAxMi4xMy0uMjcgNi45LTYuMjIgMTEuMzEtMTIuODUgMTMuNS04Ljc3IDIuOS0xOC4zNy0xLjYtMjMuMTQtOS4wNy0yLjM5LTMuNzUtMy41My04LjA4LTIuOTctMTIuMTkuNTUtNC4xNCAzLjQ3LTYuNzggNi4wMi05LjZaIiA+PC9wYXRoPjxwYXRoIGZpbGw9IiNGRjdDMkEiIGQ9Ik0yNzguMjIgMTI2LjcyYzE0LjI1NSAwIDI1LjgxLTExLjU1NiAyNS44MS0yNS44MSAwLTE0LjI1NS0xMS41NTUtMjUuODEtMjUuODEtMjUuODEtMTQuMjU0IDAtMjUuODEgMTEuNTU1LTI1LjgxIDI1LjgxIDAgMTQuMjU0IDExLjU1NiAyNS44MSAyNS44MSAyNS44MVoiID48L3BhdGg+PHBhdGggZmlsbD0iIzAwNjY0MiIgZD0iTTI0Mi4xMyA4NS43MnMyMy40OCAxMS44NiAzNS42NC0xMC42MWMtLjAxLS4wMS0yMi4xLTE0LjQzLTM1LjY0IDEwLjYxWiIgPjwvcGF0aD48cGF0aCBmaWxsPSIjNDBBRDg3IiBkPSJNMjQyIDY0LjkyczEzLjQ0IDIyLjYxIDM1Ljc2IDEwLjE4YzAgMC0xMC44OS0yNC4wMi0zNS43Ni0xMC4xOFoiID48L3BhdGg+PHBhdGggZmlsbD0iI0ZGQzc2NCIgZD0iTTI4Mi41MyA5Ny41M2gtMzAuMzJ2MTMwLjMzOWgzMC4zMlY5Ny41MjlaIj48L3BhdGg+PHBhdGggZmlsbD0iI2ZmZiIgZD0iTTM0OC40NSA4NS4xN2gtMjQuMjJ2NzkuOTVoMjQuMjJWODUuMTdaIj48L3BhdGg+PHBhdGggZmlsbD0iI0ZGRjFFQSIgZD0iTTM4MC42IDg1LjE3aC0zMi4yNHY3OS45NWgzMi4yNFY4NS4xN1pNMzgwLjYwMSA4NS4xN2wtMTIuMDctMTYuMzhoLTMyLjIzdjE2LjM4aDQ0LjNaIiA+PC9wYXRoPjxwYXRoIGZpbGw9IiNmZmYiIGQ9Im0zMjQuMjMgODUuMTcgMTIuMDctMTYuMzggMTIuMDYgMTYuMzgiPjwvcGF0aD48cGF0aCBmaWxsPSIjRkZGMUVBIiBkPSJNMzY4Ljg0MSA2NC4xaC0zMi41NHY0LjdoMzIuNTR2LTQuN1oiPjwvcGF0aD48cGF0aCBmaWxsPSIjRTBGM0ZFIiBkPSJNMzY1Ljc0MSAxMzYuNDU5YzYuNDM0IDAgMTEuNjUtNi43NzQgMTEuNjUtMTUuMTMgMC04LjM1Ni01LjIxNi0xNS4xMy0xMS42NS0xNS4xM3MtMTEuNjUgNi43NzQtMTEuNjUgMTUuMTNjMCA4LjM1NiA1LjIxNiAxNS4xMyAxMS42NSAxNS4xM1oiID48L3BhdGg+PHBhdGggc3Ryb2tlPSIjRUZBOTJFIiBzdHJva2UtbWl0ZXJsaW1pdD0iMTAiIHN0cm9rZS13aWR0aD0iNS4yNzQiIGQ9Ik0zMTAuNTUgOTkuMDh2LTIxLjJjMC0xMy4yMiAxMC43Mi0yMy45MyAyMy45My0yMy45MyAxMy4yMiAwIDIzLjkzIDEwLjcyIDIzLjkzIDIzLjkzdjIxLjIiID48L3BhdGg+PHBhdGggZmlsbD0iI0VGQTkyRSIgZD0iTTM4MS40NCA5Ny41M2gtOTguOTF2MTMwLjMzOWg5OC45MVY5Ny41MjlaTTI2Ny4zNyAyMTguMjNsLTE1LjE2IDkuNjRoMzAuMzJsLTE1LjE2LTkuNjRaIiA+PC9wYXRoPjxwYXRoIGZpbGw9IiNGRjdDMkEiIGQ9Ik05MS42MTggMTkwLjY0czUuNzIgOC41NyAyNS43MiA1LjcyYzAgMCA0LjctMS4xNiAxMi4yNS01LjcyLjU5LS4zNiAyLjA0LTEuMSAyLjA0IDB2MzQuMjloLTkxLjQ0di0xNC4yOWw1MS40My0yMFoiID48L3BhdGg+PHBhdGggZmlsbD0iI0JGNUQyMCIgZD0iTTEyOS44MjggMjI3Ljc4OUgyMS45ODhjLS45OSAwLTEuOC0uODEtMS44LTEuOHYtNC4wNWgxMTEuNDR2NC4wNWMwIC45OS0uODEgMS44LTEuOCAxLjhaIiA+PC9wYXRoPjxwYXRoIGZpbGw9IiNGRjdDMkEiIGQ9Ik0yMC4xNzkgMjIxLjkyOXMtMi44Ni0xMS43MSAxNC4yOS0xNy41Nmw4LjU3LTIuOTN2MjAuNDloLTIyLjg2Wk00My4wNCAyMDIuMDdzMjAtMi44NiA0NS43Mi0yOC41OGMwIDAgOC41NyA1LjcyIDUuNzIgMTQuMjkgMCAwLTE0LjI5IDE3LjE1LTMxLjQzIDIyLjg2LTE3LjE0IDUuNzEtMjAgNS43Mi0yMCA1Ljcydi0xNC4yOWgtLjAxWiIgPjwvcGF0aD48cGF0aCBmaWxsPSIjNkM3Rjg3IiBkPSJtMTMxLjYyOSAxOTYuODUtNC43MSA1LjQ1IDEuMzkgMTAuNDYgMTcuNDcgMTUuMTEgMTMuMDQtMTUuMDctMTcuMTMtMTQuODMtMTAuMDYtMS4xMloiID48L3BhdGg+PHBhdGggZmlsbD0iI0VGRjlGRiIgZD0iTTEzMi42MDkgMjA1LjA1YTEuNjEgMS42MSAwIDEgMCAwLTMuMjIgMS42MSAxLjYxIDAgMCAwIDAgMy4yMloiID48L3BhdGg+PHBhdGggc3Ryb2tlPSIjMDAzNjVBIiBzdHJva2UtbWl0ZXJsaW1pdD0iMTAiIGQ9Ik0xMzIuNjA5IDIwMy40NHMtMS42Mi0zLjctOS40NC04LjU0IiA+PC9wYXRoPjxwYXRoIGZpbGw9IiNEOUQ4RDkiIGQ9Ik00MzYgMTcwLjg0di05Ljk0bC0yMC4zMi0xOC4wM2gtNC4zN3MtLjQ0LTYuNTYtNi4zNC02Ljk5Yy01LjktLjQ0LTMuMjggMy4wNi0xLjc1IDMuNzEgMS41My42NSAxLjYyIDMuMjgtMS45MiAzLjI4aC0zLjU0bC0xOS42NyAxOC4wM3YxNC4wOWw1Ny45MS00LjE1WiIgPjwvcGF0aD48cGF0aCBmaWxsPSIjRjdGOEY5IiBkPSJtNDM2IDE3NC45OS01LjkgNTIuODhoLTQ0LjhsLTcuMjEtNTIuODhINDM2WiI+PC9wYXRoPjxwYXRoIGZpbGw9IiNGRjRDMkIiIGQ9Ik00MDguNTYgMjExLjI2MWM1LjY3MiAwIDEwLjI3LTQuNTk4IDEwLjI3LTEwLjI3cy00LjU5OC0xMC4yNy0xMC4yNy0xMC4yNy0xMC4yNyA0LjU5OC0xMC4yNyAxMC4yNyA0LjU5OCAxMC4yNyAxMC4yNyAxMC4yN1oiID48L3BhdGg+PHBhdGggZmlsbD0iI0VDRUJFQyIgZD0ibTQzNiAxNzQuOTkgOC4wOC0yMi41MS0yLjQtMi40TDQzNiAxNjh2Ni45OVpNMzc4LjA5IDE3NC45OSAzNzAgMTUyLjQ4bDIuNDEtMi40IDUuNjggMTcuOTJ2Ni45OVoiID48L3BhdGg+PHBhdGggc3Ryb2tlPSIjRDlBQjk4IiBzdHJva2UtbWl0ZXJsaW1pdD0iMTAiIHN0cm9rZS13aWR0aD0iMyIgZD0ibTQxNS4xOSAxNTEuMTcgMTcuMjYtNDYuMzNNNDIyLjE4IDE2My42MjlsMzEuNTgtNDEuODQiID48L3BhdGg+PHBhdGggZmlsbD0iI0VDRUJFQyIgZD0iTTQzNiAxNzQuOTkxdi05LjgzbC0xOS44OS0xOC4zNmgtMTguMzZsLTE5LjY2IDE4LjU3djkuNjJINDM2WiIgPjwvcGF0aD48L3N2Zz4=)\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\n[Investing](https:\/\/www.nerdwallet.com\/investing)\n\n[Learn](https:\/\/www.nerdwallet.com\/investing\/learn)\n\nHow to Invest in Stocks\n\nAdvertiser disclosure\n\n### You're our first priority. Every time.\nNerdWallet, Inc. is an independent publisher and comparison service, not an investment advisor. Its articles, interactive tools and other content are provided to you for free, as self-help tools and for informational purposes only. They are not intended to provide investment advice. NerdWallet does not and cannot guarantee the accuracy or applicability of any information in regard to your individual circumstances. Examples are hypothetical, and we encourage you to seek personalized advice from qualified professionals regarding specific investment issues. Our estimates are based on past market performance, and past performance is not a guarantee of future performance.\n\nWe believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.\n\nSo how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.  [Here is a list of our partners](https:\/\/www.nerdwallet.com\/p\/our-partners).\n# How to Invest in Stocks\nLearn how to invest in stocks, including how to select a brokerage account and research stock market investments.\n\n![](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2017\/02\/GettyImages-617563676-1920x1152.jpg)\n\nMany, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of [our partners](https:\/\/www.nerdwallet.com\/p\/our-partners) and [here's how we make money](https:\/\/www.nerdwallet.com\/p\/advertiser-disclosure).\n***\nThe investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.\n\nUpdated\n\nMar 24, 2026\n\n· 6 min read\n\nFact Checked\n\nHow is this page expert verified?\n\nNerdWallet's content is fact-checked for accuracy, timeliness and relevance. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible.\n\n[More on our editorial rigor](https:\/\/www.nerdwallet.com\/l\/nerdwallet-editorial-guidelines)\n\n[![Chris Davis](https:\/\/www.nerdwallet.com\/tachyon\/2020\/03\/Chris-Davis.jpg?resize=160%2C160)](https:\/\/www.nerdwallet.com\/author\/chris-davis)\n\nWritten by\n\nChris Davis\n\n[![Chris Davis](https:\/\/www.nerdwallet.com\/tachyon\/2020\/03\/Chris-Davis.jpg?resize=160%2C160)](https:\/\/www.nerdwallet.com\/author\/chris-davis)\n\n[Chris Davis](https:\/\/www.nerdwallet.com\/author\/chris-davis)\n\nManaging Editor\n***\n12 years of experience\n\nExpertise\n\n- Brokerage accounts\n- stock market\n- cryptocurrency\n\nChris Davis is a Managing Editor on the Investing team. As a writer, he covered the stock market, investing strategies and investment accounts, and as a spokesperson, he appeared on NBC Bay Area and was quoted in Forbes, Apartment Therapy, Martha Stewart and Lifewire, among others. His work has appeared in The Associated Press, The Washington Post, MSN, Yahoo Finance, MarketWatch, Newsday and TheStreet.\n\nPublished in ![The Associated Press](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/TheAssociatedPress.webp)![The Washington Post](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/TheWashingtonPost.webp)![MarketWatch](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/Marketwatch.webp)![Newsday](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/Newsday.webp)\n\nManaging Editor\n\n\\+    more\n\n[![Michael Randall](https:\/\/www.nerdwallet.com\/tachyon\/2022\/04\/2022-HeadShot.jpg?resize=160%2C160)](https:\/\/www.nerdwallet.com\/reviewer\/michael-randall)\n\nReviewed by\n\nMichael Randall\n\n[![Michael Randall](https:\/\/www.nerdwallet.com\/tachyon\/2022\/04\/2022-HeadShot.jpg?resize=160%2C160)](https:\/\/www.nerdwallet.com\/reviewer\/michael-randall)\n\n[Michael Randall](https:\/\/www.nerdwallet.com\/reviewer\/michael-randall)\n\nCertified Financial Planner®\n***\nMichael Randall, CFA, CFP®, EA is the Owner and Financial Planner at Oak Summit Wealth Management, a fee-only fiduciary firm based in San Diego, California. He brings more than a decade of experience helping clients with comprehensive financial planning across investments, taxes, and estate strategies. Michael earned his degree in economics from the University of California, Berkeley, where he also volunteers as an alumni ambassador.\n***\nAt NerdWallet, our content goes through a rigorous [editorial review process.](https:\/\/www.nerdwallet.com\/l\/nerdwallet-editorial-guidelines) We have such confidence in our accurate and useful content that we let outside experts inspect our work.\n\nCertified Financial Planner®\n\n\\+    more\n\n[![Erica Corbin](https:\/\/www.nerdwallet.com\/tachyon\/2021\/09\/Headshot2.png?resize=160%2C160)](https:\/\/www.nerdwallet.com\/author\/erica-corbin)\n\nEdited by\n\nErica Corbin\n\n[![Erica Corbin](https:\/\/www.nerdwallet.com\/tachyon\/2021\/09\/Headshot2.png?resize=160%2C160)](https:\/\/www.nerdwallet.com\/author\/erica-corbin)\n\n[Erica Corbin](https:\/\/www.nerdwallet.com\/author\/erica-corbin)\n\nAssigning Editor\n***\nErica Corbin is a former assigning editor at NerdWallet. Erica joined NerdWallet in 2020 as an assistant assigning editor at large. In 2023, she was promoted to assigning editor and helped lead the credit cards vertical at NerdWallet Canada. She previously wrote and edited content at companies such as GOBankingRates and Nasdaq. Her work has been syndicated to USA Today, Yahoo Finance, MSN and more.\n\nAssigning Editor\n\n\\+    more\n\n[![Sam Taube](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2022\/05\/IMG_8033-e1775676093506-160x160.jpg)](https:\/\/www.nerdwallet.com\/author\/sam-taube)\n\nCo-written by\n\nSam Taube\n\n[![Sam Taube](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2022\/05\/IMG_8033-e1775676093506-160x160.jpg)](https:\/\/www.nerdwallet.com\/author\/sam-taube)\n\n[Sam Taube](https:\/\/www.nerdwallet.com\/author\/sam-taube)\n\nLead Writer\n***\n9 years of experience\n\nExpertise\n\n- Stocks\n- ETFs\n- economic news\n\nSam Taube writes about investing for NerdWallet. He has covered investing and financial news since earning his economics degree from the University of Maryland in 2016. Sam has previously written for Investopedia, Benzinga, Seeking Alpha, Wealth Daily and Investment U, and has worked as an editor for Investment U, Wealth Daily and Haven Investment Letter. He is based in Brooklyn, New York.\n\nPublished in ![MarketWatch](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/Marketwatch.webp)![Nasdaq.com](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/NASDAQ.webp)\n\nLead Writer\n\n\\+    more\n\nSOME CARD INFO MAY BE OUTDATED\n\nThis page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer.\n\nWhen you invest in a stock, you’re hoping the company grows and performs well over time. That's how you end up making money. One of the best ways for beginners to learn is to open an online investment account and buy stocks through it.\n\nYou don't need a lot of money to start. Many brokerages allow you to open an investing account with \\$0, though you'll need some money to actually start investing. Even small amounts — \\$10 or \\$20 — will do.\n\nSome brokers also offer [paper trading](https:\/\/www.nerdwallet.com\/investing\/best\/brokers-paper-trading), which lets you learn how to buy and sell with stock market simulators before you invest any real money.\n\n## How to invest in stocks\nTo invest in stocks, open an online brokerage account, add money to the account, and purchase stocks or stock-based funds from there. While these steps cover DIY investing, you can also invest in stocks through a financial advisor or a robo-advisor (more on that later).\n\n### Step 1. Choose a broker\nTo invest in stocks, you'll first need to figure out which broker you want to open an account with. (Not sure how to do this? Read our guide on [how to open a brokerage account](https:\/\/www.nerdwallet.com\/investing\/learn\/what-is-how-to-open-brokerage-account).)\n\nSome brokers, like Fidelity, are famous for their many years in business and 24\/7 customer support. Others, like Robinhood, are known for their easy-to-use platforms and apps.\n\nYou'll want to evaluate brokers based on factors like costs, investment selection, investor research, tools and customer service access. Maybe you'll want to open a brokerage account where you already have a bank account, which can help you see all your finances in one place.\n\n» [Here's our list of the best online stock brokers](https:\/\/www.nerdwallet.com\/investing\/best\/online-brokers-for-stock-trading)\n\n| Brokerage firms |   |\n|---|---|\n| [![Charles Schwab](https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/quality=85\/cdn\/investing\/logos\/CharlesTrial.png)](https:\/\/www.nerdwallet.com\/redirect\/61fabd58-44eb-11e8-9c02-fb51e6eec6b5?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=product_image&finish_type=external_application&impression_position=0&impression_section=mini_product_card) [NerdWallet rating](https:\/\/www.nerdwallet.com\/investing\/reviews\/schwab-brokerage \"Read review\") NerdWallet's ratings are determined by our editorial team. The scoring formula for online brokers and robo-advisors takes into account over 15 factors, including account fees and minimums, investment choices, customer support and mobile app capabilities. [Learn more](https:\/\/www.nerdwallet.com\/redirect\/61fabd58-44eb-11e8-9c02-fb51e6eec6b5?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=apply_now_button&finish_type=external_application&impression_position=0&impression_section=mini_product_card) on Charles Schwab's website | [![E\\*TRADE](https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/quality=85\/cdn\/investing\/logos\/etrade_ms.png)](https:\/\/www.nerdwallet.com\/redirect\/61f673ba-44eb-11e8-9c02-9b9860598c1e?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=product_image&finish_type=external_application&impression_position=0&impression_section=mini_product_card) [NerdWallet rating](https:\/\/www.nerdwallet.com\/investing\/reviews\/etrade \"Read review\") NerdWallet's ratings are determined by our editorial team. The scoring formula for online brokers and robo-advisors takes into account over 15 factors, including account fees and minimums, investment choices, customer support and mobile app capabilities. [Learn more](https:\/\/www.nerdwallet.com\/redirect\/61f673ba-44eb-11e8-9c02-9b9860598c1e?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=apply_now_button&finish_type=external_application&impression_position=0&impression_section=mini_product_card) on E\\*TRADE's website |\n| [![Vanguard](https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/quality=85\/cdn\/investing\/logos\/vanglogo.png)](https:\/\/www.nerdwallet.com\/redirect\/61f78eb2-44eb-11e8-9c02-eb58816e8aeb?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=product_image&finish_type=external_application&impression_position=0&impression_section=mini_product_card) [NerdWallet rating](https:\/\/www.nerdwallet.com\/investing\/reviews\/vanguard \"Read review\") NerdWallet's ratings are determined by our editorial team. The scoring formula for online brokers and robo-advisors takes into account over 15 factors, including account fees and minimums, investment choices, customer support and mobile app capabilities. [Learn more](https:\/\/www.nerdwallet.com\/redirect\/61f78eb2-44eb-11e8-9c02-eb58816e8aeb?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=apply_now_button&finish_type=external_application&impression_position=0&impression_section=mini_product_card) on Vanguard's website | [![Fidelity](https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/quality=85\/cdn\/investing\/logos\/FidNewLogo.png)](https:\/\/www.nerdwallet.com\/redirect\/61ed8d72-44eb-11e8-9c02-53658283ffc3?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=product_image&finish_type=external_application&impression_position=0&impression_section=mini_product_card) [NerdWallet rating](https:\/\/www.nerdwallet.com\/investing\/reviews\/fidelity \"Read review\") NerdWallet's ratings are determined by our editorial team. The scoring formula for online brokers and robo-advisors takes into account over 15 factors, including account fees and minimums, investment choices, customer support and mobile app capabilities. [Learn more](https:\/\/www.nerdwallet.com\/redirect\/61ed8d72-44eb-11e8-9c02-53658283ffc3?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=apply_now_button&finish_type=external_application&impression_position=0&impression_section=mini_product_card) on Fidelity's website |\n### Step 2. Pick a type of investment account\nThere are several types of investment accounts, and it's a good idea to figure out which account is right for you. For example, a [Roth IRA](https:\/\/www.nerdwallet.com\/retirement\/learn\/what-is-a-roth-ira) offers significant tax benefits, whereas a standard brokerage account does not.\n\nYou'll need to provide some personal information, including your Social Security number, and it will probably take about 15 minutes to open the account. With some brokerages, it can take a few days to connect your bank account, so you may have to wait before you can start buying investments.\n\nKeep in mind, an investment account is just an account — it's not an investment. You have to add money to it and then purchase investments from there.\n\nGood to know: If you have a 401(k) or other retirement plan at work, you may already be invested in stocks. These plans often offer a curated selection of stock and bond mutual funds. If your employer matches your contributions to that plan, you should invest enough to earn the full match before investing in stocks elsewhere.\n\n### Step 3. Choose individual stocks or a stock fund\nInvesting in the stock market doesn't have to be complicated. For most people, it means choosing between these two investment types:\n\nStock mutual funds\n\n[Mutual funds](https:\/\/www.nerdwallet.com\/investing\/learn\/how-to-invest-in-mutual-funds) let you purchase small pieces of many different stocks in a single transaction. Index funds and exchange-traded funds (ETFs) are two kinds of mutual funds that track an index; for example, an S\\&P 500 fund replicates that index by buying the stock of the companies in it.\n\nWhen you invest in a fund, you also own small pieces of each of those companies. You can put several funds together to build a diversified portfolio. Note that stock mutual funds are also sometimes called equity mutual funds.\n\nIndividual stocks\n\nIf you’re after a specific company, you can buy a single share or a few shares as a way to dip your toe into the stock-trading waters. Building a diversified portfolio out of many individual stocks is possible, but it takes a significant investment and research.\n\nIf you go this route, remember that individual stocks will have ups and downs. If you research a company and choose to invest in it, think about why you picked that company in the first place if jitters start to set in on a down day.\n\nWhat makes sense for most investors?\n\nThe upside of stock mutual funds is that they are inherently diversified, which reduces your risk. For the vast majority of investors — particularly those who are investing their retirement savings — a portfolio made up of mostly mutual funds is the clear choice.\n\nBut mutual funds are unlikely to rise in meteoric fashion as some individual stocks might. The upside of individual stocks is that a wise pick can pay off handsomely, but the odds that any individual stock will make you rich are exceedingly slim.\n\nHowever, it doesn't have to be all or nothing\n\nIf you decide you want a good portion of your portfolio to be invested in mutual funds, that doesn't mean you have to avoid individual stocks altogether. If you want to test your luck at being an early investor in the next Google, a good compromise could be dedicating a small portion of your portfolio — say, 5% — to individual stock investing.\n\n» [Learn how to research stocks](https:\/\/www.nerdwallet.com\/investing\/learn\/how-to-research-stocks)\n\n### Step 4. Set a budget\nNew investors will want to think about two things in this step of the process:\n\nHow much money do I need to start investing in stocks?\n\nThe amount of money you need to buy a single stock depends on the share price. Share prices can range from just a few dollars to a few thousand dollars. Some brokerages allow you to invest with fractional shares. Simply put, that means you can choose a dollar amount to invest and own part of a share.\n\nIf you want mutual funds and have a small budget, [investing in ETFs](https:\/\/www.nerdwallet.com\/investing\/learn\/how-to-invest-in-etf-exchange-traded-fund) may be your best bet. Mutual funds often have minimums of \\$1,000 or more, but ETFs trade like a stock, which means you purchase them for a share price — in some cases, less than \\$100.\n\nHow much money should I invest in stocks?\n\nIf you’re investing through funds, you can allocate a fairly large portion of your portfolio toward stock funds, especially if you have a long time horizon.\n\nA 30-year-old investing for retirement might have 80% of their portfolio in stock funds, with the rest in bond funds (and perhaps a small portion in individual stocks).\n\n### Step 5. Focus on investing for the long term\nStock market investments have proven to be one of the best ways to grow long-term wealth. Over several decades, the average stock market return has been about 10% per year. However, that’s just an average across the entire market. Some years will be up, some will be down, and individual stocks will vary in their returns.\n\nFor long-term investors, the stock market is a good investment no matter what’s happening day-to-day or year-to-year; they’re looking for that long-term average.\n\nThe best thing to do after you start investing in stocks or mutual funds may be the hardest: Don’t look at them. Unless you’re trying to beat the odds and succeed at day trading, it’s good to avoid the habit of checking how your stocks are doing every day.\n\nTip: When we say \"long-term investing,\" we generally mean at least five years. That usually gives your portfolio time to ride out any market downturns. If you have a goal that's closer, check out our list of the [best short-term investments](https:\/\/www.nerdwallet.com\/investing\/learn\/where-to-put-short-term-savings).\n\n### Step 6. Manage your stock portfolio\nWhile fretting over daily fluctuations won’t do much for your portfolio’s health — or your own — there will, of course, be times when you’ll need to check in on your investments.\n\nIf you follow the steps above to buy mutual funds and individual stocks over time, you’ll want to revisit your portfolio a few times a year to make sure it’s still in line with your investment goals.\n\nA few things to consider: If you’re approaching retirement, you may want to move some of your stock investments over to more conservative fixed-income investments. If your portfolio is heavily weighted in one sector or industry, consider buying stocks or funds in another sector to diversify.\n\nPay attention to geographic diversification, too. Vanguard recommends that international stocks make up as much as 40% of the stocks in your portfolio. You can purchase international stock mutual funds to get this exposure\n\n\\[1\\]\n\nVanguard. [International Investments: Stocks, Bonds, & ETFs.](https:\/\/investor.vanguard.com\/investor-resources-education\/understanding-investment-types\/why-invest-internationally) Accessed Mar 24, 2026.\n\n[View all sources](https:\/\/www.nerdwallet.com\/investing\/learn\/how-to-invest-in-stocks#citation-list)\n\n.\n\nIf DIY investing feels like too much work ...\n\nYou may be a good candidate for a robo-advisor, a service that invests your money for you for a small fee. Many of the major brokerage firms and some independent companies offer these services.\n\nSimilar to shopping for a broker, there are pros and cons to each. Some robo-advisors have very low fees, while others let you talk with a financial advisor if you need extra support or more personalized guidance. It's a good idea to compare robo-advisors to see which ones offer the services you need. Most robo-advisors charge about 0.25% of your account balance.\n\n» [View our list of the best robo-advisors](https:\/\/www.nerdwallet.com\/investing\/best\/robo-advisors)\n\nFrequently Asked Questions\n\nWhich stocks are the best investments for beginners?  Which stocks are the best investments for beginners?\n\nThe process of picking stocks can be overwhelming, especially for beginners. After all, there are thousands of stocks listed on the major U.S. exchanges. Stock investing is filled with intricate strategies and approaches, yet some of the most successful investors have done little more than stick with stock market basics.\n\nThat generally means using funds for the bulk of your portfolio — Warren Buffett has famously said a low-cost S\\&P 500 ETF is the best investment most Americans can make — and choosing individual stocks only if you believe in the company’s potential for long-term growth.\n\nThe S\\&P 500 is an index consisting of about 500 of the largest publicly traded companies in the U.S. Over the last 50 years, its average annual return has been more or less the same as that of the market as a whole — about 10%.\n\n» Learn more: [How to invest in the S\\&P 500](https:\/\/www.nerdwallet.com\/investing\/learn\/how-to-invest-in-sp500)\n\nHow many stocks should I invest in?  How many stocks should I invest in?\n\nThat really depends on your goals and your risk tolerance. It can be risky to invest a large portion of your wealth in just a few stocks. Diversification — investing in a large number of companies across many industries — is important. If you don't have the time or money to buy dozens of individual stocks, look into low-cost index funds, which invest in hundreds of individual stocks for you.\n\nIs now a good time to invest in stocks?  Is now a good time to invest in stocks?\n\nThe truth is, you’ll never know if it’s exactly the right time to invest in stocks. However, if you’re investing for the long term (say, more than five years), then the time to buy stocks may be as soon as you have the money available. Even if the market falls soon after investing, you’ll have plenty of time to make up those losses. And the only way to guarantee you’ll be a part of any stock market recovery and expansion from the beginning is to be invested before the recovery starts.\n\nAre investing apps safe?  Are investing apps safe?\n\nGenerally, yes, investing apps are safe to use. Some newer apps have had reliability issues in recent years, in which the app goes down and users are left without access to their funds or the app’s functionality is restricted for a limited period.\n\nEven in these instances, your money is typically still safe, but losing temporary access to it is still a legitimate concern.\n\nSo, if you’re hoping to avoid these issues, you can choose an investing app from a large and established brokerage. Our list of [the best stock apps](https:\/\/www.nerdwallet.com\/investing\/learn\/best-stock-trading-apps) is a good place to start.\n\nArticle sources  Article sources\n\nNerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our  [editorial guidelines.](https:\/\/www.nerdwallet.com\/l\/nerdwallet-editorial-guidelines)\n\n- [1\\.](https:\/\/www.nerdwallet.com\/investing\/learn\/how-to-invest-in-stocks#citation-3114614235)  Vanguard. [International Investments: Stocks, Bonds, & ETFs.](https:\/\/investor.vanguard.com\/investor-resources-education\/understanding-investment-types\/why-invest-internationally) Accessed Mar 24, 2026.\n\n[Back to top]()\n\nAbout the authors\n\n[![Chris Davis](https:\/\/www.nerdwallet.com\/tachyon\/2020\/03\/Chris-Davis.jpg?resize=70%2C70)](https:\/\/www.nerdwallet.com\/author\/chris-davis)\n\n[Chris Davis](https:\/\/www.nerdwallet.com\/author\/chris-davis)  Chris Davis is a Managing Editor on the Investing team. He has covered the stock market, investing strategies, investment accounts and cryptocurrency, and his work has appeared in The Associated Press, The Washington Post, MSN, Yahoo Finance, MarketWatch, Newsday and TheStreet.  [See full bio.](https:\/\/www.nerdwallet.com\/author\/chris-davis)\n\n[![Sam Taube](https:\/\/www.nerdwallet.com\/tachyon\/2024\/02\/IMG_6406.jpg?resize=70%2C70)](https:\/\/www.nerdwallet.com\/author\/sam-taube)\n\n[Sam Taube](https:\/\/www.nerdwallet.com\/author\/sam-taube)  Sam Taube writes about investing for NerdWallet. He has covered investing and financial news since earning his economics degree in 2016.  [See full bio.](https:\/\/www.nerdwallet.com\/author\/sam-taube)\n\nOn this page\n\n[Back to top ↑]()\n\nOn this page\n\n╳\n\n- [How to invest in stocks](https:\/\/www.nerdwallet.com\/investing\/learn\/how-to-invest-in-stocks#how-to-invest-in-stocks)\n  How to invest in stocks\n  - [Step 1. Choose a broker](https:\/\/www.nerdwallet.com\/investing\/learn\/how-to-invest-in-stocks#step-1-choose-a-broker)\n  - [Step 2. Pick a type of investment account](https:\/\/www.nerdwallet.com\/investing\/learn\/how-to-invest-in-stocks#step-2-pick-a-type-of-investment-account)\n  - [Step 3. Choose individual stocks or a stock fund](https:\/\/www.nerdwallet.com\/investing\/learn\/how-to-invest-in-stocks#step-3-choose-individual-stocks-or-a-stock-fund)\n  - [Step 4. Set a budget](https:\/\/www.nerdwallet.com\/investing\/learn\/how-to-invest-in-stocks#step-4-set-a-budget)\n  - [Step 5. Focus on investing for the long term](https:\/\/www.nerdwallet.com\/investing\/learn\/how-to-invest-in-stocks#step-5-focus-on-investing-for-the-long-term)\n  - [Step 6. Manage your stock portfolio](https:\/\/www.nerdwallet.com\/investing\/learn\/how-to-invest-in-stocks#step-6-manage-your-stock-portfolio)\n\nMore like this\n\n[Investment Basics](https:\/\/www.nerdwallet.com\/investing\/learn)[Investing](https:\/\/www.nerdwallet.com\/investing)[Stocks](https:\/\/www.nerdwallet.com\/investing\/hubs\/stocks)\n\nRelated articles\n\n[![](https:\/\/www.nerdwallet.com\/tachyon\/2021\/08\/GettyImages-531456017.jpg?resize=600%2C360) What Is a Brokerage Account? Where and How to Open One ![Arielle O'Shea's profile picture](https:\/\/www.nerdwallet.com\/tachyon\/2019\/08\/aoshea-user-avatar.jpg?resize=70%2C70) 2 By Arielle O'Shea, Pamela de la Fuente](https:\/\/www.nerdwallet.com\/investing\/learn\/what-is-how-to-open-brokerage-account)\n\n[![Best Online Brokers for Stock Trading roundup](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2019\/01\/GettyImages-1126141028-600x360.jpg) Best Brokerage Accounts for Online Investing and Stock Trading in 2026 ![Chris Davis's profile picture](https:\/\/www.nerdwallet.com\/tachyon\/2020\/03\/Chris-Davis.jpg?resize=70%2C70) By Chris Davis](https:\/\/www.nerdwallet.com\/investing\/best\/online-brokers-for-stock-trading)\n\n[![](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2023\/07\/GettyImages-1441530841-600x360.jpg) Investment Calculator ![Chris Davis's profile picture](https:\/\/www.nerdwallet.com\/tachyon\/2020\/03\/Chris-Davis.jpg?resize=70%2C70) By Chris Davis](https:\/\/www.nerdwallet.com\/investing\/calculators\/investment-calculator)\n\n[![](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2019\/08\/GettyImages-1181542851-1-1-e1718306806913-600x360.jpg) Best Investments: Where to Invest in 2026 ![Chris Davis's profile picture](https:\/\/www.nerdwallet.com\/tachyon\/2020\/03\/Chris-Davis.jpg?resize=70%2C70) 2 By Chris Davis, Alieza Durana](https:\/\/www.nerdwallet.com\/investing\/learn\/the-best-investments-right-now)\n\n[![](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2018\/10\/GettyImages-869282942-600x360.jpg) The Best-Performing Stocks in 2026 (By One-Year Returns) ![Arielle O'Shea's profile picture](https:\/\/www.nerdwallet.com\/tachyon\/2019\/08\/aoshea-user-avatar.jpg?resize=70%2C70) 2 By Arielle O'Shea, Chris Davis](https:\/\/www.nerdwallet.com\/investing\/learn\/best-performing-stocks)\n\n[![](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2018\/03\/GettyImages-1389168720-600x360.jpg) Investing in Dividend Stocks: Guide, Calculator and Top 7 Yields for April 2026 ![Chris Davis's profile picture](https:\/\/www.nerdwallet.com\/tachyon\/2020\/03\/Chris-Davis.jpg?resize=70%2C70) 2 By Chris Davis, Sam Taube](https:\/\/www.nerdwallet.com\/investing\/learn\/how-to-invest-dividend-stocks)\n\n![NerdWallet Home Page](data:image\/svg+xml;base64,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)\n\nFinance Smarter\n\n[Learn more about the app](https:\/\/www.nerdwallet.com\/l\/nerdwallet-app-track-your-wealth-and-build-your-future)\n\nDownload the app\n\n[![Download on the App Store](data:image\/svg+xml,%3Csvg%20height%3D%2240%22%20width%3D%22120%22%20viewBox%3D%220%200%20119.66407%2040%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20%3E%3Ctitle%3EDownload_on_the_App_Store_Badge_US-UK_RGB_blk_4SVG_092917%3C%2Ftitle%3E%3Cg%3E%3Cg%3E%3Cg%3E%3Cpath%20d%3D%22M110.13477%2C0H9.53468c-.3667%2C0-.729%2C0-1.09473.002-.30615.002-.60986.00781-.91895.0127A13.21476%2C13.21476%2C0%2C0%2C0%2C5.5171.19141a6.66509%2C6.66509%2C0%2C0%2C0-1.90088.627A6.43779%2C6.43779%2C0%2C0%2C0%2C1.99757%2C1.99707%2C6.25844%2C6.25844%2C0%2C0%2C0%2C.81935%2C3.61816a6.60119%2C6.60119%2C0%2C0%2C0-.625%2C1.90332%2C12.993%2C12.993%2C0%2C0%2C0-.1792%2C2.002C.00587%2C7.83008.00489%2C8.1377%2C0%2C8.44434V31.5586c.00489.3105.00587.6113.01515.9219a12.99232%2C12.99232%2C0%2C0%2C0%2C.1792%2C2.0019%2C6.58756%2C6.58756%2C0%2C0%2C0%2C.625%2C1.9043A6.20778%2C6.20778%2C0%2C0%2C0%2C1.99757%2C38.001a6.27445%2C6.27445%2C0%2C0%2C0%2C1.61865%2C1.1787%2C6.70082%2C6.70082%2C0%2C0%2C0%2C1.90088.6308%2C13.45514%2C13.45514%2C0%2C0%2C0%2C2.0039.1768c.30909.0068.6128.0107.91895.0107C8.80567%2C40%2C9.168%2C40%2C9.53468%2C40H110.13477c.3594%2C0%2C.7246%2C0%2C1.084-.002.3047%2C0%2C.6172-.0039.9219-.0107a13.279%2C13.279%2C0%2C0%2C0%2C2-.1768%2C6.80432%2C6.80432%2C0%2C0%2C0%2C1.9082-.6308%2C6.27742%2C6.27742%2C0%2C0%2C0%2C1.6172-1.1787%2C6.39482%2C6.39482%2C0%2C0%2C0%2C1.1816-1.6143%2C6.60413%2C6.60413%2C0%2C0%2C0%2C.6191-1.9043%2C13.50643%2C13.50643%2C0%2C0%2C0%2C.1856-2.0019c.0039-.3106.0039-.6114.0039-.9219.0078-.3633.0078-.7246.0078-1.0938V9.53613c0-.36621%2C0-.72949-.0078-1.09179%2C0-.30664%2C0-.61426-.0039-.9209a13.5071%2C13.5071%2C0%2C0%2C0-.1856-2.002%2C6.6177%2C6.6177%2C0%2C0%2C0-.6191-1.90332%2C6.46619%2C6.46619%2C0%2C0%2C0-2.7988-2.7998%2C6.76754%2C6.76754%2C0%2C0%2C0-1.9082-.627%2C13.04394%2C13.04394%2C0%2C0%2C0-2-.17676c-.3047-.00488-.6172-.01074-.9219-.01269-.3594-.002-.7246-.002-1.084-.002Z%22%20fill%3D%22%23a6a6a6%22%20%2F%3E%3Cpath%20d%3D%22M8.44483%2C39.125c-.30468%2C0-.602-.0039-.90429-.0107a12.68714%2C12.68714%2C0%2C0%2C1-1.86914-.1631%2C5.88381%2C5.88381%2C0%2C0%2C1-1.65674-.5479%2C5.40573%2C5.40573%2C0%2C0%2C1-1.397-1.0166%2C5.32082%2C5.32082%2C0%2C0%2C1-1.02051-1.3965%2C5.72186%2C5.72186%2C0%2C0%2C1-.543-1.6572%2C12.41351%2C12.41351%2C0%2C0%2C1-.1665-1.875c-.00634-.2109-.01464-.9131-.01464-.9131V8.44434S.88185%2C7.75293.8877%2C7.5498a12.37039%2C12.37039%2C0%2C0%2C1%2C.16553-1.87207%2C5.7555%2C5.7555%2C0%2C0%2C1%2C.54346-1.6621A5.37349%2C5.37349%2C0%2C0%2C1%2C2.61183%2C2.61768%2C5.56543%2C5.56543%2C0%2C0%2C1%2C4.01417%2C1.59521a5.82309%2C5.82309%2C0%2C0%2C1%2C1.65332-.54394A12.58589%2C12.58589%2C0%2C0%2C1%2C7.543.88721L8.44532.875H111.21387l.9131.0127a12.38493%2C12.38493%2C0%2C0%2C1%2C1.8584.16259%2C5.93833%2C5.93833%2C0%2C0%2C1%2C1.6709.54785%2C5.59374%2C5.59374%2C0%2C0%2C1%2C2.415%2C2.41993%2C5.76267%2C5.76267%2C0%2C0%2C1%2C.5352%2C1.64892%2C12.995%2C12.995%2C0%2C0%2C1%2C.1738%2C1.88721c.0029.2832.0029.5874.0029.89014.0079.375.0079.73193.0079%2C1.09179V30.4648c0%2C.3633%2C0%2C.7178-.0079%2C1.0752%2C0%2C.3252%2C0%2C.6231-.0039.9297a12.73126%2C12.73126%2C0%2C0%2C1-.1709%2C1.8535%2C5.739%2C5.739%2C0%2C0%2C1-.54%2C1.67%2C5.48029%2C5.48029%2C0%2C0%2C1-1.0156%2C1.3857%2C5.4129%2C5.4129%2C0%2C0%2C1-1.3994%2C1.0225%2C5.86168%2C5.86168%2C0%2C0%2C1-1.668.5498%2C12.54218%2C12.54218%2C0%2C0%2C1-1.8692.1631c-.2929.0068-.5996.0107-.8974.0107l-1.084.002Z%22%20%2F%3E%3C%2Fg%3E%3Cg%20id%3D%22_Group_%22%20data-name%3D%22%26lt%3BGroup%26gt%3B%22%3E%3Cg%20id%3D%22_Group_2%22%20data-name%3D%22%26lt%3BGroup%26gt%3B%22%3E%3Cg%20id%3D%22_Group_3%22%20data-name%3D%22%26lt%3BGroup%26gt%3B%22%3E%3Cpath%20id%3D%22_Path_%22%20data-name%3D%22%26lt%3BPath%26gt%3B%22%20d%3D%22M24.76888%2C20.30068a4.94881%2C4.94881%2C0%2C0%2C1%2C2.35656-4.15206%2C5.06566%2C5.06566%2C0%2C0%2C0-3.99116-2.15768c-1.67924-.17626-3.30719%2C1.00483-4.1629%2C1.00483-.87227%2C0-2.18977-.98733-3.6085-.95814a5.31529%2C5.31529%2C0%2C0%2C0-4.47292%2C2.72787c-1.934%2C3.34842-.49141%2C8.26947%2C1.3612%2C10.97608.9269%2C1.32535%2C2.01018%2C2.8058%2C3.42763%2C2.7533%2C1.38706-.05753%2C1.9051-.88448%2C3.5794-.88448%2C1.65876%2C0%2C2.14479.88448%2C3.591.8511%2C1.48838-.02416%2C2.42613-1.33124%2C3.32051-2.66914a10.962%2C10.962%2C0%2C0%2C0%2C1.51842-3.09251A4.78205%2C4.78205%2C0%2C0%2C1%2C24.76888%2C20.30068Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20id%3D%22_Path_2%22%20data-name%3D%22%26lt%3BPath%26gt%3B%22%20d%3D%22M22.03725%2C12.21089a4.87248%2C4.87248%2C0%2C0%2C0%2C1.11452-3.49062%2C4.95746%2C4.95746%2C0%2C0%2C0-3.20758%2C1.65961%2C4.63634%2C4.63634%2C0%2C0%2C0-1.14371%2C3.36139A4.09905%2C4.09905%2C0%2C0%2C0%2C22.03725%2C12.21089Z%22%20fill%3D%22%23fff%22%20%2F%3E%3C%2Fg%3E%3C%2Fg%3E%3Cg%3E%3Cpath%20d%3D%22M42.30227%2C27.13965h-4.7334l-1.13672%2C3.35645H34.42727l4.4834-12.418h2.083l4.4834%2C12.418H43.438ZM38.0591%2C25.59082h3.752l-1.84961-5.44727h-.05176Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M55.15969%2C25.96973c0%2C2.81348-1.50586%2C4.62109-3.77832%2C4.62109a3.0693%2C3.0693%2C0%2C0%2C1-2.84863-1.584h-.043v4.48438h-1.8584V21.44238H48.4302v1.50586h.03418a3.21162%2C3.21162%2C0%2C0%2C1%2C2.88281-1.60059C53.645%2C21.34766%2C55.15969%2C23.16406%2C55.15969%2C25.96973Zm-1.91016%2C0c0-1.833-.94727-3.03809-2.39258-3.03809-1.41992%2C0-2.375%2C1.23047-2.375%2C3.03809%2C0%2C1.82422.95508%2C3.0459%2C2.375%2C3.0459C52.30227%2C29.01563%2C53.24953%2C27.81934%2C53.24953%2C25.96973Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M65.12453%2C25.96973c0%2C2.81348-1.50586%2C4.62109-3.77832%2C4.62109a3.0693%2C3.0693%2C0%2C0%2C1-2.84863-1.584h-.043v4.48438h-1.8584V21.44238H58.395v1.50586h.03418A3.21162%2C3.21162%2C0%2C0%2C1%2C61.312%2C21.34766C63.60988%2C21.34766%2C65.12453%2C23.16406%2C65.12453%2C25.96973Zm-1.91016%2C0c0-1.833-.94727-3.03809-2.39258-3.03809-1.41992%2C0-2.375%2C1.23047-2.375%2C3.03809%2C0%2C1.82422.95508%2C3.0459%2C2.375%2C3.0459C62.26711%2C29.01563%2C63.21438%2C27.81934%2C63.21438%2C25.96973Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M71.71047%2C27.03613c.1377%2C1.23145%2C1.334%2C2.04%2C2.96875%2C2.04%2C1.56641%2C0%2C2.69336-.80859%2C2.69336-1.91895%2C0-.96387-.67969-1.541-2.28906-1.93652l-1.60937-.3877c-2.28027-.55078-3.33887-1.61719-3.33887-3.34766%2C0-2.14258%2C1.86719-3.61426%2C4.51855-3.61426%2C2.624%2C0%2C4.42285%2C1.47168%2C4.4834%2C3.61426h-1.876c-.1123-1.23926-1.13672-1.9873-2.63379-1.9873s-2.52148.75684-2.52148%2C1.8584c0%2C.87793.6543%2C1.39453%2C2.25488%2C1.79l1.36816.33594c2.54785.60254%2C3.60645%2C1.626%2C3.60645%2C3.44238%2C0%2C2.32324-1.85059%2C3.77832-4.79395%2C3.77832-2.75391%2C0-4.61328-1.4209-4.7334-3.667Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M83.34621%2C19.2998v2.14258h1.72168v1.47168H83.34621v4.99121c0%2C.77539.34473%2C1.13672%2C1.10156%2C1.13672a5.80752%2C5.80752%2C0%2C0%2C0%2C.61133-.043v1.46289a5.10351%2C5.10351%2C0%2C0%2C1-1.03223.08594c-1.833%2C0-2.54785-.68848-2.54785-2.44434V22.91406H80.16262V21.44238H81.479V19.2998Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M86.065%2C25.96973c0-2.84863%2C1.67773-4.63867%2C4.29395-4.63867%2C2.625%2C0%2C4.29492%2C1.79%2C4.29492%2C4.63867%2C0%2C2.85645-1.66113%2C4.63867-4.29492%2C4.63867C87.72609%2C30.6084%2C86.065%2C28.82617%2C86.065%2C25.96973Zm6.69531%2C0c0-1.9541-.89551-3.10742-2.40137-3.10742s-2.40039%2C1.16211-2.40039%2C3.10742c0%2C1.96191.89453%2C3.10645%2C2.40039%2C3.10645S92.76027%2C27.93164%2C92.76027%2C25.96973Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M96.18606%2C21.44238h1.77246v1.541h.043a2.1594%2C2.1594%2C0%2C0%2C1%2C2.17773-1.63574%2C2.86616%2C2.86616%2C0%2C0%2C1%2C.63672.06934v1.73828a2.59794%2C2.59794%2C0%2C0%2C0-.835-.1123%2C1.87264%2C1.87264%2C0%2C0%2C0-1.93652%2C2.083v5.37012h-1.8584Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M109.3843%2C27.83691c-.25%2C1.64355-1.85059%2C2.77148-3.89844%2C2.77148-2.63379%2C0-4.26855-1.76465-4.26855-4.5957%2C0-2.83984%2C1.64355-4.68164%2C4.19043-4.68164%2C2.50488%2C0%2C4.08008%2C1.7207%2C4.08008%2C4.46582v.63672h-6.39453v.1123a2.358%2C2.358%2C0%2C0%2C0%2C2.43555%2C2.56445%2C2.04834%2C2.04834%2C0%2C0%2C0%2C2.09082-1.27344Zm-6.28223-2.70215h4.52637a2.1773%2C2.1773%2C0%2C0%2C0-2.2207-2.29785A2.292%2C2.292%2C0%2C0%2C0%2C103.10207%2C25.13477Z%22%20fill%3D%22%23fff%22%20%2F%3E%3C%2Fg%3E%3C%2Fg%3E%3C%2Fg%3E%3Cg%20id%3D%22_Group_4%22%20data-name%3D%22%26lt%3BGroup%26gt%3B%22%3E%3Cg%3E%3Cpath%20d%3D%22M37.82619%2C8.731a2.63964%2C2.63964%2C0%2C0%2C1%2C2.80762%2C2.96484c0%2C1.90625-1.03027%2C3.002-2.80762%2C3.002H35.67092V8.731Zm-1.22852%2C5.123h1.125a1.87588%2C1.87588%2C0%2C0%2C0%2C1.96777-2.146%2C1.881%2C1.881%2C0%2C0%2C0-1.96777-2.13379h-1.125Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M41.68068%2C12.44434a2.13323%2C2.13323%2C0%2C1%2C1%2C4.24707%2C0%2C2.13358%2C2.13358%2C0%2C1%2C1-4.24707%2C0Zm3.333%2C0c0-.97607-.43848-1.54687-1.208-1.54687-.77246%2C0-1.207.5708-1.207%2C1.54688%2C0%2C.98389.43457%2C1.55029%2C1.207%2C1.55029C44.57522%2C13.99463%2C45.01369%2C13.42432%2C45.01369%2C12.44434Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M51.57326%2C14.69775h-.92187l-.93066-3.31641h-.07031l-.92676%2C3.31641h-.91309l-1.24121-4.50293h.90137l.80664%2C3.436h.06641l.92578-3.436h.85254l.92578%2C3.436h.07031l.80273-3.436h.88867Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M53.85354%2C10.19482H54.709v.71533h.06641a1.348%2C1.348%2C0%2C0%2C1%2C1.34375-.80225%2C1.46456%2C1.46456%2C0%2C0%2C1%2C1.55859%2C1.6748v2.915h-.88867V12.00586c0-.72363-.31445-1.0835-.97168-1.0835a1.03294%2C1.03294%2C0%2C0%2C0-1.0752%2C1.14111v2.63428h-.88867Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M59.09377%2C8.437h.88867v6.26074h-.88867Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M61.21779%2C12.44434a2.13346%2C2.13346%2C0%2C1%2C1%2C4.24756%2C0%2C2.1338%2C2.1338%2C0%2C1%2C1-4.24756%2C0Zm3.333%2C0c0-.97607-.43848-1.54687-1.208-1.54687-.77246%2C0-1.207.5708-1.207%2C1.54688%2C0%2C.98389.43457%2C1.55029%2C1.207%2C1.55029C64.11232%2C13.99463%2C64.5508%2C13.42432%2C64.5508%2C12.44434Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M66.4009%2C13.42432c0-.81055.60352-1.27783%2C1.6748-1.34424l1.21973-.07031v-.38867c0-.47559-.31445-.74414-.92187-.74414-.49609%2C0-.83984.18213-.93848.50049h-.86035c.09082-.77344.81836-1.26953%2C1.83984-1.26953%2C1.12891%2C0%2C1.76563.562%2C1.76563%2C1.51318v3.07666h-.85547v-.63281h-.07031a1.515%2C1.515%2C0%2C0%2C1-1.35254.707A1.36026%2C1.36026%2C0%2C0%2C1%2C66.4009%2C13.42432Zm2.89453-.38477v-.37646l-1.09961.07031c-.62012.0415-.90137.25244-.90137.64941%2C0%2C.40527.35156.64111.835.64111A1.0615%2C1.0615%2C0%2C0%2C0%2C69.29543%2C13.03955Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M71.34816%2C12.44434c0-1.42285.73145-2.32422%2C1.86914-2.32422a1.484%2C1.484%2C0%2C0%2C1%2C1.38086.79h.06641V8.437h.88867v6.26074h-.85156v-.71143h-.07031a1.56284%2C1.56284%2C0%2C0%2C1-1.41406.78564C72.0718%2C14.772%2C71.34816%2C13.87061%2C71.34816%2C12.44434Zm.918%2C0c0%2C.95508.4502%2C1.52979%2C1.20313%2C1.52979.749%2C0%2C1.21191-.583%2C1.21191-1.52588%2C0-.93848-.46777-1.52979-1.21191-1.52979C72.72121%2C10.91846%2C72.26613%2C11.49707%2C72.26613%2C12.44434Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M79.23%2C12.44434a2.13323%2C2.13323%2C0%2C1%2C1%2C4.24707%2C0%2C2.13358%2C2.13358%2C0%2C1%2C1-4.24707%2C0Zm3.333%2C0c0-.97607-.43848-1.54687-1.208-1.54687-.77246%2C0-1.207.5708-1.207%2C1.54688%2C0%2C.98389.43457%2C1.55029%2C1.207%2C1.55029C82.12453%2C13.99463%2C82.563%2C13.42432%2C82.563%2C12.44434Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M84.66945%2C10.19482h.85547v.71533h.06641a1.348%2C1.348%2C0%2C0%2C1%2C1.34375-.80225%2C1.46456%2C1.46456%2C0%2C0%2C1%2C1.55859%2C1.6748v2.915H87.605V12.00586c0-.72363-.31445-1.0835-.97168-1.0835a1.03294%2C1.03294%2C0%2C0%2C0-1.0752%2C1.14111v2.63428h-.88867Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M93.51516%2C9.07373v1.1416h.97559v.74854h-.97559V13.2793c0%2C.47168.19434.67822.63672.67822a2.96657%2C2.96657%2C0%2C0%2C0%2C.33887-.02051v.74023a2.9155%2C2.9155%2C0%2C0%2C1-.4834.04541c-.98828%2C0-1.38184-.34766-1.38184-1.21582v-2.543h-.71484v-.74854h.71484V9.07373Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M95.70461%2C8.437h.88086v2.48145h.07031a1.3856%2C1.3856%2C0%2C0%2C1%2C1.373-.80664%2C1.48339%2C1.48339%2C0%2C0%2C1%2C1.55078%2C1.67871v2.90723H98.69v-2.688c0-.71924-.335-1.0835-.96289-1.0835a1.05194%2C1.05194%2C0%2C0%2C0-1.13379%2C1.1416v2.62988h-.88867Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M104.76125%2C13.48193a1.828%2C1.828%2C0%2C0%2C1-1.95117%2C1.30273A2.04531%2C2.04531%2C0%2C0%2C1%2C100.73%2C12.46045a2.07685%2C2.07685%2C0%2C0%2C1%2C2.07617-2.35254c1.25293%2C0%2C2.00879.856%2C2.00879%2C2.27V12.688h-3.17969v.0498a1.1902%2C1.1902%2C0%2C0%2C0%2C1.19922%2C1.29%2C1.07934%2C1.07934%2C0%2C0%2C0%2C1.07129-.5459Zm-3.126-1.45117h2.27441a1.08647%2C1.08647%2C0%2C0%2C0-1.1084-1.1665A1.15162%2C1.15162%2C0%2C0%2C0%2C101.63527%2C12.03076Z%22%20fill%3D%22%23fff%22%20%2F%3E%3C%2Fg%3E%3C%2Fg%3E%3C%2Fg%3E%3C%2Fsvg%3E)](https:\/\/nerdwallet.onelink.me\/3687710914\/87a0b5b3)\n\n4\\.8\n\n121,000+ reviews\n\n[![Get it on Google Play](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20height%3D%2240%22%20width%3D%22130%22%20x%3D%220px%22%20y%3D%220px%22%20viewBox%3D%220%200%205435.8%201604%22%20%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M5234.4%2C1604h-5033C90.4%2C1604%2C0%2C1513.6%2C0%2C1403.5v-1203C0%2C90%2C90.4%2C0%2C201.4%2C0h5033c110.9%2C0%2C201.4%2C90%2C201.4%2C200.5%20v1203C5435.8%2C1513.6%2C5345.3%2C1604%2C5234.4%2C1604z%22%2F%3E%3Cpath%20fill%3D%22%23A6A6A6%22%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M5234.4%2C32.1c93.1%2C0%2C169.3%2C75.7%2C169.3%2C168.4v1203c0%2C92.7-75.7%2C168.4-169.3%2C168.4h-5033%20c-93.1%2C0-169.3-75.7-169.3-168.4v-1203c0-92.7%2C75.7-168.4%2C169.3-168.4C201.4%2C32.1%2C5234.4%2C32.1%2C5234.4%2C32.1z%20M5234.4%2C0h-5033%20C90.4%2C0%2C0%2C90.4%2C0%2C200.5v1203C0%2C1514%2C90.4%2C1604%2C201.4%2C1604h5033c110.9%2C0%2C201.4-90%2C201.4-200.5v-1203C5435.8%2C90.4%2C5345.3%2C0%2C5234.4%2C0z%22%2F%3E%3Cpath%20fill%3D%22%23FFFFFF%22%20d%3D%22M2863.6%2C530.6c-36.3%2C0-66.9-12.7-91.1-37.7c-24-24.3-37.4-57.8-36.8-92c0-36.5%2C12.4-67.4%2C36.8-91.9%20c24.1-25%2C54.7-37.7%2C91-37.7c35.9%2C0%2C66.5%2C12.7%2C91.1%2C37.7c24.4%2C25.3%2C36.8%2C56.2%2C36.8%2C91.9c-0.4%2C36.6-12.8%2C67.5-36.8%2C91.9%20C2930.5%2C518%2C2899.9%2C530.6%2C2863.6%2C530.6z%20M1783.5%2C530.6c-35.5%2C0-66.3-12.5-91.5-37.2c-25-24.6-37.7-55.7-37.7-92.4%20s12.7-67.8%2C37.7-92.4c24.7-24.7%2C55.5-37.2%2C91.5-37.2c17.6%2C0%2C34.7%2C3.5%2C51.1%2C10.6c16.1%2C6.9%2C29.2%2C16.3%2C38.9%2C27.8l2.4%2C2.9l-27.1%2C26.6%20l-2.8-3.3c-15.3-18.2-35.8-27.1-62.9-27.1c-24.2%2C0-45.3%2C8.6-62.7%2C25.6c-17.5%2C17.1-26.4%2C39.5-26.4%2C66.6s8.9%2C49.5%2C26.4%2C66.6%20c17.4%2C17%2C38.5%2C25.6%2C62.7%2C25.6c25.8%2C0%2C47.5-8.6%2C64.4-25.6c10-10%2C16.2-24%2C18.4-41.7h-86.9v-37.4h124.2l0.5%2C3.4%20c0.9%2C6.3%2C1.8%2C12.8%2C1.8%2C18.8c0%2C34.5-10.4%2C62.4-31%2C83C1851.1%2C518.2%2C1820.5%2C530.6%2C1783.5%2C530.6z%20M3219.6%2C525.3h-38.3L3064%2C337.6l1%2C33.8%20v153.8h-38.3V276.7h43.7l1.2%2C1.9l110.3%2C176.8l-1-33.7V276.7h38.7V525.3z%20M2575.8%2C525.3H2537V314.1h-67.3v-37.4H2643v37.4h-67.3%20V525.3z%20M2438.1%2C525.3h-38.7V276.7h38.7V525.3z%20M2220.6%2C525.3h-38.7V314.1h-67.3v-37.4h173.3v37.4h-67.3V525.3z%20M2090.1%2C524.9%20h-148.4V276.7h148.4v37.4h-109.6v68.2h98.9v37h-98.9v68.2h109.6V524.9z%20M2800.9%2C467.2c17.3%2C17.3%2C38.3%2C26%2C62.7%2C26%20c25.1%2C0%2C45.6-8.5%2C62.7-26c17-17%2C25.6-39.3%2C25.6-66.2s-8.6-49.3-25.5-66.2c-17.3-17.3-38.4-26-62.7-26c-25.1%2C0-45.6%2C8.5-62.6%2C26%20c-17%2C17-25.6%2C39.3-25.6%2C66.2S2784%2C450.3%2C2800.9%2C467.2L2800.9%2C467.2z%22%2F%3E%3Cpath%20fill%3D%22%23FFFFFF%22%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M2732.1%2C872.4c-94.5%2C0-171.1%2C71.7-171.1%2C170.6c0%2C98%2C77.1%2C170.6%2C171.1%2C170.6c94.5%2C0%2C171.1-72.2%2C171.1-170.6%20C2903.2%2C944.1%2C2826.6%2C872.4%2C2732.1%2C872.4z%20M2732.1%2C1146c-51.7%2C0-96.2-42.8-96.2-103.4c0-61.5%2C44.6-103.4%2C96.2-103.4%20c51.7%2C0%2C96.2%2C41.9%2C96.2%2C103.4C2828.4%2C1103.6%2C2783.8%2C1146%2C2732.1%2C1146z%20M2358.8%2C872.4c-94.5%2C0-171.1%2C71.7-171.1%2C170.6%20c0%2C98%2C77.1%2C170.6%2C171.1%2C170.6c94.5%2C0%2C171.1-72.2%2C171.1-170.6C2529.9%2C944.1%2C2453.2%2C872.4%2C2358.8%2C872.4z%20M2358.8%2C1146%20c-51.7%2C0-96.2-42.8-96.2-103.4c0-61.5%2C44.6-103.4%2C96.2-103.4c51.7%2C0%2C96.2%2C41.9%2C96.2%2C103.4C2455%2C1103.6%2C2410.5%2C1146%2C2358.8%2C1146z%20M1914.6%2C924.5v72.2h173.3c-5.3%2C40.5-18.7%2C70.4-39.2%2C90.9c-25.4%2C25.4-64.6%2C53-133.7%2C53c-106.5%2C0-189.8-86-189.8-192.5%20s83.3-192.5%2C189.8-192.5c57.5%2C0%2C99.4%2C22.7%2C130.5%2C51.7l51.2-51.2c-43.2-41.4-100.7-73.1-181.3-73.1c-146.1%2C0-268.7%2C119-268.7%2C264.7%20c0%2C146.1%2C122.5%2C264.7%2C268.7%2C264.7c78.9%2C0%2C138.1-25.8%2C184.9-74.4c47.7-47.7%2C62.8-115%2C62.8-169.3c0-16.9-1.3-32.1-4-45h-244.6%20C1914.6%2C923.6%2C1914.6%2C924.5%2C1914.6%2C924.5z%20M3731.5%2C980.7c-14.3-38.3-57.5-108.7-146.1-108.7c-87.8%2C0-160.8%2C69.1-160.8%2C170.6%20c0%2C95.8%2C72.2%2C170.6%2C169.3%2C170.6c78%2C0%2C123.4-47.7%2C142.1-75.7l-57.9-38.8c-19.2%2C28.5-45.9%2C47.2-83.8%2C47.2c-38.3%2C0-65.1-17.4-82.9-51.7%20l228.1-94.5C3739.5%2C999.8%2C3731.5%2C980.7%2C3731.5%2C980.7z%20M3498.9%2C1037.7c-1.8-65.9%2C51.2-99.4%2C89.1-99.4c29.9%2C0%2C54.8%2C14.7%2C63.3%2C36.1%20L3498.9%2C1037.7z%20M3313.6%2C1203h74.9V701.8h-74.9V1203z%20M3190.6%2C910.3h-2.7c-16.9-20.1-49-38.3-90-38.3%20c-85.1%2C0-163.5%2C74.9-163.5%2C171.1c0%2C95.8%2C78%2C169.8%2C163.5%2C169.8c40.5%2C0%2C73.1-18.3%2C90-38.8h2.7v24.5c0%2C65.1-34.8%2C100.2-90.9%2C100.2%20c-45.9%2C0-74.4-33-86-60.6l-65.1%2C27.2c18.7%2C45%2C68.6%2C100.7%2C151%2C100.7c87.8%2C0%2C162.2-51.7%2C162.2-177.8V882.2h-70.8v28.1%20C3191.1%2C910.3%2C3190.6%2C910.3%2C3190.6%2C910.3z%20M3104.6%2C1146c-51.7%2C0-94.9-43.2-94.9-102.9c0-60.2%2C43.2-103.8%2C94.9-103.8%20c51.2%2C0%2C90.9%2C44.1%2C90.9%2C103.8C3196%2C1102.8%2C3155.9%2C1146%2C3104.6%2C1146z%20M4082.2%2C701.8h-179.1V1203h74.9v-189.8h104.3%20c82.9%2C0%2C164.4-60.1%2C164.4-155.5S4165.5%2C701.8%2C4082.2%2C701.8z%20M4084.4%2C943.2h-106.5v-172h106.5c56.1%2C0%2C87.8%2C46.3%2C87.8%2C86%20C4172.2%2C896.5%2C4140.1%2C943.2%2C4084.4%2C943.2z%20M4546.9%2C871.5c-54.4%2C0-110.5%2C24.1-133.7%2C76.6l66.4%2C27.6c14.3-27.6%2C40.5-37%2C68.2-37%20c38.8%2C0%2C78%2C23.2%2C78.9%2C64.6v5.3c-13.4-7.6-42.8-19.2-78-19.2c-71.7%2C0-144.4%2C39.2-144.4%2C112.7c0%2C67.3%2C58.8%2C110.5%2C124.3%2C110.5%20c50.3%2C0%2C78-22.7%2C95.3-49h2.7v38.8h72.2v-192C4698.8%2C921%2C4632.4%2C871.5%2C4546.9%2C871.5z%20M4537.5%2C1146c-24.5%2C0-58.8-12-58.8-42.8%20c0-38.8%2C42.8-53.5%2C79.3-53.5c33%2C0%2C48.6%2C7.1%2C68.2%2C16.9C4620.8%2C1111.6%2C4582.8%2C1145.6%2C4537.5%2C1146z%20M4962.2%2C882.2l-86%2C217.4h-2.7%20l-89.1-217.4h-80.6l133.7%2C303.9l-76.2%2C168.9h78L5045%2C882.2C5045%2C882.2%2C4962.2%2C882.2%2C4962.2%2C882.2z%20M4288%2C1203h74.9V701.8H4288V1203z%20%22%2F%3E%3ClinearGradient%20id%3D%22SVGID_1_%22%20gradientUnits%3D%22userSpaceOnUse%22%20x1%3D%221682.1077%22%20y1%3D%221339.4783%22%20x2%3D%221624.2924%22%20y2%3D%221309.6345%22%20gradientTransform%3D%22matrix\$11.64%200%200%20-22.55%20-18705.5957%2030554.3691\$%22%3E%3Cstop%20offset%3D%220%22%20style%3D%22stop-color%3A%2300A0FF%22%2F%3E%3Cstop%20offset%3D%226.569999e-03%22%20style%3D%22stop-color%3A%2300A1FF%22%2F%3E%3Cstop%20offset%3D%220.2601%22%20style%3D%22stop-color%3A%2300BEFF%22%2F%3E%3Cstop%20offset%3D%220.5122%22%20style%3D%22stop-color%3A%2300D2FF%22%2F%3E%3Cstop%20offset%3D%220.7604%22%20style%3D%22stop-color%3A%2300DFFF%22%2F%3E%3Cstop%20offset%3D%221%22%20style%3D%22stop-color%3A%2300E3FF%22%2F%3E%3C%2FlinearGradient%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20fill%3D%22url\$%23SVGID_1_\$%22%20d%3D%22M418.4%2C302.1c-11.6%2C12.5-18.3%2C31.6-18.3%2C56.6v886.7c0%2C25%2C6.7%2C44.1%2C18.7%2C56.1l3.1%2C2.7l496.8-496.8v-11.1%20L421.5%2C299.4C421.5%2C299.4%2C418.4%2C302.1%2C418.4%2C302.1z%22%2F%3E%3ClinearGradient%20id%3D%22SVGID_2_%22%20gradientUnits%3D%22userSpaceOnUse%22%20x1%3D%221712.6624%22%20y1%3D%221274.8376%22%20x2%3D%221606.5613%22%20y2%3D%221274.8376%22%20gradientTransform%3D%22matrix\$9.145%200%200%20-7.7%20-14305.5381%2010618.251\$%22%3E%3Cstop%20offset%3D%220%22%20style%3D%22stop-color%3A%23FFE000%22%2F%3E%3Cstop%20offset%3D%220.4087%22%20style%3D%22stop-color%3A%23FFBD00%22%2F%3E%3Cstop%20offset%3D%220.7754%22%20style%3D%22stop-color%3A%23FFA500%22%2F%3E%3Cstop%20offset%3D%221%22%20style%3D%22stop-color%3A%23FF9C00%22%2F%3E%3C%2FlinearGradient%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20fill%3D%22url\$%23SVGID_2_\$%22%20d%3D%22M1084%2C973.5L918.3%2C807.8v-11.6L1084%2C630.5l3.6%2C2.2l196%2C111.4c56.1%2C31.6%2C56.1%2C83.8%2C0%2C115.8l-196%2C111.4%20C1087.6%2C971.3%2C1084%2C973.5%2C1084%2C973.5z%22%2F%3E%3ClinearGradient%20id%3D%22SVGID_3_%22%20gradientUnits%3D%22userSpaceOnUse%22%20x1%3D%221707.4414%22%20y1%3D%221290.0475%22%20x2%3D%221646.682%22%20y2%3D%221211.2225%22%20gradientTransform%3D%22matrix\$15.02%200%200%20-11.5775%20-24650.2285%2015829.6484\$%22%3E%3Cstop%20offset%3D%220%22%20style%3D%22stop-color%3A%23FF3A44%22%2F%3E%3Cstop%20offset%3D%221%22%20style%3D%22stop-color%3A%23C31162%22%2F%3E%3C%2FlinearGradient%3E%3Cpath%20fill%3D%22url\$%23SVGID_3_\$%22%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M1087.6%2C971.3L918.3%2C802l-499.9%2C499.9c18.3%2C19.6%2C49%2C21.8%2C83.3%2C2.7L1087.6%2C971.3%22%2F%3E%3ClinearGradient%20id%3D%22SVGID_4_%22%20gradientUnits%3D%22userSpaceOnUse%22%20x1%3D%221660.6357%22%20y1%3D%221365.6676%22%20x2%3D%221687.767%22%20y2%3D%221330.4501%22%20gradientTransform%3D%22matrix\$15.02%200%200%20-11.5715%20-24650.2285%2015809.9922\$%22%3E%3Cstop%20offset%3D%220%22%20style%3D%22stop-color%3A%2332A071%22%2F%3E%3Cstop%20offset%3D%226.850000e-02%22%20style%3D%22stop-color%3A%232DA771%22%2F%3E%3Cstop%20offset%3D%220.4762%22%20style%3D%22stop-color%3A%2315CF74%22%2F%3E%3Cstop%20offset%3D%220.8009%22%20style%3D%22stop-color%3A%2306E775%22%2F%3E%3Cstop%20offset%3D%221%22%20style%3D%22stop-color%3A%2300F076%22%2F%3E%3C%2FlinearGradient%3E%3Cpath%20fill%3D%22url\$%23SVGID_4_\$%22%20fill-rule%3D%22evenodd%22%20enable-background%3D%22new%22%20clip-rule%3D%22evenodd%22%20d%3D%22M1087.6%2C632.7L501.7%2C299.9c-34.3-19.6-65.1-16.9-83.3%2C2.7L918.3%2C802L1087.6%2C632.7z%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20opacity%3D%220.2%22%20d%3D%22M1084%2C967.7l-581.9%2C330.6c-32.5%2C18.7-61.5%2C17.4-80.2%2C0.4l-3.1%2C3.1l3.1%2C2.7c18.7%2C16.9%2C47.7%2C18.3%2C80.2-0.4%20L1088%2C971.3C1088%2C971.3%2C1084%2C967.7%2C1084%2C967.7z%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20opacity%3D%220.12%22%20enable-background%3D%22new%22%20d%3D%22M1283.6%2C854.1l-200.1%2C113.6l3.6%2C3.6l196-111.4c28.1-16%2C41.9-37%2C41.9-57.9C1323.3%2C821.2%2C1309%2C839.4%2C1283.6%2C854.1%20z%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20opacity%3D%220.25%22%20enable-background%3D%22new%22%20d%3D%22M501.7%2C305.7l781.9%2C444.2c25.4%2C14.3%2C39.7%2C33%2C41.9%2C52.1c0-20.9-13.8-41.9-41.9-57.9L501.7%2C299.9%20c-56.1-32.1-101.6-5.3-101.6%2C58.8v5.8C400.1%2C300.3%2C445.6%2C274%2C501.7%2C305.7z%22%2F%3E%3C%2Fsvg%3E)](https:\/\/nerdwallet.onelink.me\/3687710914\/233a7a41)\n\n4\\.3\n\n31,200+ reviews\n\n![QR code for downloading the app](data:image\/png;base64,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)\n\nAbout\n\n[Company](https:\/\/www.nerdwallet.com\/company)[Leadership](https:\/\/www.nerdwallet.com\/leadership)[Careers](https:\/\/www.nerdwallet.com\/careers)[Corporate impact](https:\/\/www.nerdwallet.com\/corporate-impact)[Diversity & Inclusion](https:\/\/www.nerdwallet.com\/diversity-inclusion)[Editorial guidelines](https:\/\/www.nerdwallet.com\/l\/nerdwallet-editorial-guidelines)[Star rating methodologies](https:\/\/www.nerdwallet.com\/l\/rating-methodologies)[Editorial team](https:\/\/www.nerdwallet.com\/l\/nerdwallet-editorial-team)[Press](https:\/\/www.nerdwallet.com\/press)[Press kit](https:\/\/www.nerdwallet.com\/kit)[Investors](https:\/\/investors.nerdwallet.com\/)\n\nHelp\n\n[Help center](https:\/\/support.nerdwallet.com\/hc\/en-us)[Security FAQs](https:\/\/www.nerdwallet.com\/l\/security)\n\nLegal\n\n[Terms of use](https:\/\/www.nerdwallet.com\/p\/terms-of-use)[Supplier Code of Conduct](https:\/\/www.nerdwallet.com\/p\/supplier-code-of-conduct)[Privacy policy](https:\/\/www.nerdwallet.com\/p\/privacy-policy)[California privacy policy](https:\/\/www.nerdwallet.com\/p\/nerdwallet-california-privacy-policy)[Privacy preferences](https:\/\/www.nerdwallet.com\/p\/privacy-policy)[Do not sell or share my personal information](https:\/\/privacyportal.onetrust.com\/webform\/694a76f6-1f82-455e-b46e-ffeed902c3fa\/db85134f-a11a-451c-a462-3f2f39a662bc)\n\nDisclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product's site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution's Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.\n\nNerdWallet Compare, Inc. NMLS ID\\# 1617539[NMLS Consumer Access](https:\/\/www.nmlsconsumeraccess.org\/EntityDetails.aspx\/COMPANY\/1617539) \\|[Licenses and Disclosures](https:\/\/www.nerdwallet.com\/p\/nerdwallet-compare-inc-licenses-and-disclosures)\n\nCalifornia: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License \\#60DBO-74812\n\nInsurance Services offered through NerdWallet Insurance Services, Inc. (CA resident license no.OK92033) [Insurance Licenses](https:\/\/www.nerdwallet.com\/nerdwallet-insurance-services-inc-licenses-and-disclosures)\n\nFundera, Inc. NMLS ID\\# 1240038[NMLS Consumer Access](https:\/\/nmlsconsumeraccess.org\/)\n\nCalifornia: California Finance Lender loans arranged pursuant to the Department of Financial Protection and Innovation Finance Lenders License \\#603L288\n\nNerdWallet has engaged Atomic Invest LLC (“Atomic”), an SEC-registered investment adviser, to bring you the opportunity to open investment advisory accounts (Automated Investing Account and\/or Treasury Account) with Atomic. NerdWallet receives compensation of 0% to 0.85% of assets under management annualized, payable monthly, for each referred client who opens an Atomic account and a percentage of free cash interest earned by clients, which creates a conflict of interest. Brokerage services for Atomic are provided by Atomic Brokerage LLC (\"Atomic Brokerage\"), member of [FINRA](https:\/\/www.finra.org\/#\/)\/[SIPC](https:\/\/www.sipc.org\/) and an affiliate of Atomic, which creates a conflict of interest. See details about Atomic, in their [Form CRS](https:\/\/reports.adviserinfo.sec.gov\/crs\/crs_313255.pdf), [Form ADV Part 2A](https:\/\/adviserinfo.sec.gov\/firm\/brochure\/313255) and [Privacy Policy](https:\/\/legal.atomicvest.com\/usa.privacy.de3d0277-78f7-4741-9e9f-755f6b4f03ba.pdf). See details about Atomic Brokerage in their [Form CRS](https:\/\/files.brokercheck.finra.org\/crs_315263.pdf), [General Disclosures](https:\/\/legal.atomicvest.com\/usa.broker.disclosures.003464f3-f6bd-41c3-bbdf-7050e50b43a2.pdf), [fee schedule](https:\/\/legal.atomicvest.com\/usa.broker.schedule.7ea28665-88a9-4542-a748-987e90ea46b6.pdf), and FINRA’s [BrokerCheck](https:\/\/brokercheck.finra.org\/).\n\nYou also can open a Cash Account offered by Atomic Brokerage which allows you to earn interest on your cash through a cash sweep program. [View Important Cash Account Disclosures.](https:\/\/www.atomicvest.com\/legal\/disclosures\/7d9c31dd-bf97-46ae-9803-1774b97187af)\n\nNeither Atomic Invest nor Atomic Brokerage, nor any of their affiliates is a bank. Investments in securities: Not FDIC Insured, Not Bank Guaranteed, May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged.\n\nImages are for illustrative purposes only.\n\nNerdWallet™ \\| 4150 N Drinkwater Blvd, Suite 200, Scottsdale, AZ 85251\n\n[![US](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2224%22%20height%3D%2224%22%20viewBox%3D%220%200%2024%2024%22%20fill%3D%22none%22%3E%3Cg%20clipPath%3D%22url\$%23clipUS\$%22%3E%3Cpath%20d%3D%22M22.81%204H1.42004V18.58H22.81V4Z%22%20stroke%3D%22currentColor%22%20strokeMiterlimit%3D%2210%22%20strokeLinejoin%3D%22round%22%20%2F%3E%3Cpath%20d%3D%22M22.81%204H1.42004V5.12H22.81V4Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%206.24H1.42004V7.36H22.81V6.24Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%208.48H1.42004V9.6H22.81V8.48Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%2010.73H1.42004V11.85H22.81V10.73Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%2012.97H1.42004V14.09H22.81V12.97Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%2015.21H1.42004V16.33H22.81V15.21Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%2017.46H1.42004V18.58H22.81V17.46Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M9.97004%204H1.42004V11.85H9.97004V4Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M1.82007%204.63L2.02007%204.83L1.94007%205.14L2.15007%204.95L2.35007%205.14L2.27007%204.83L2.48007%204.63H2.22007L2.15007%204.32L2.07007%204.63H1.82007Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.23999%204.63L3.43999%204.83L3.35999%205.14L3.56999%204.95L3.76999%205.14L3.68999%204.83L3.88999%204.63H3.63999L3.56999%204.32L3.48999%204.63H3.23999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M4.65002%204.63L4.86002%204.83L4.78002%205.14L4.98002%204.95L5.19002%205.14L5.11002%204.83L5.31002%204.63H5.06002L4.98002%204.32L4.91002%204.63H4.65002Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.07007%204.63L6.28007%204.83L6.20007%205.14L6.40007%204.95L6.61007%205.14L6.53007%204.83L6.73007%204.63H6.48007L6.40007%204.32L6.32007%204.63H6.07007Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M7.48999%204.63L7.68999%204.83L7.61999%205.14L7.81999%204.95L8.01999%205.14L7.94999%204.83L8.14999%204.63H7.89999L7.81999%204.32L7.73999%204.63H7.48999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.91003%204.63L9.11003%204.83L9.03003%205.14L9.24003%204.95L9.44003%205.14L9.36003%204.83L9.57003%204.63H9.32003L9.24003%204.32L9.16003%204.63H8.91003Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M2.53003%205.42L2.73003%205.61L2.65003%205.92L2.86003%205.73L3.06003%205.92L2.98003%205.61L3.19003%205.42H2.93003L2.86003%205.11L2.78003%205.42H2.53003Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.94006%205.42L4.15006%205.61L4.07006%205.92L4.27006%205.73L4.48006%205.92L4.40006%205.61L4.60006%205.42H4.35006L4.27006%205.11L4.20006%205.42H3.94006Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M5.35999%205.42L5.56999%205.61L5.48998%205.92L5.68999%205.73L5.89999%205.92L5.81999%205.61L6.01999%205.42H5.76999L5.68999%205.11L5.60999%205.42H5.35999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.78003%205.42L6.98003%205.61L6.91003%205.92L7.11003%205.73L7.31003%205.92L7.24003%205.61L7.44003%205.42H7.19003L7.11003%205.11L7.03003%205.42H6.78003Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.20007%205.42L8.40007%205.61L8.32007%205.92L8.53007%205.73L8.73007%205.92L8.65007%205.61L8.86007%205.42H8.61007L8.53007%205.11L8.45007%205.42H8.20007Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M1.82007%206.21L2.02007%206.4L1.94007%206.71L2.15007%206.52L2.35007%206.71L2.27007%206.4L2.48007%206.21H2.22007L2.15007%205.9L2.07007%206.21H1.82007Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.23999%206.21L3.43999%206.4L3.35999%206.71L3.56999%206.52L3.76999%206.71L3.68999%206.4L3.88999%206.21H3.63999L3.56999%205.9L3.48999%206.21H3.23999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M4.65002%206.21L4.86002%206.4L4.78002%206.71L4.98002%206.52L5.19002%206.71L5.11002%206.4L5.31002%206.21H5.06002L4.98002%205.9L4.91002%206.21H4.65002Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.07007%206.21L6.28007%206.4L6.20007%206.71L6.40007%206.52L6.61007%206.71L6.53007%206.4L6.73007%206.21H6.48007L6.40007%205.9L6.32007%206.21H6.07007Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M7.48999%206.21L7.68999%206.4L7.61999%206.71L7.81999%206.52L8.01999%206.71L7.94999%206.4L8.14999%206.21H7.89999L7.81999%205.9L7.73999%206.21H7.48999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.91003%206.21L9.11003%206.4L9.03003%206.71L9.24003%206.52L9.44003%206.71L9.36003%206.4L9.57003%206.21H9.32003L9.24003%205.9L9.16003%206.21H8.91003Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M2.54004%207L2.75004%207.19L2.67004%207.5L2.87004%207.31L3.08004%207.5L3.00004%207.19L3.20004%207H2.95004L2.87004%206.69L2.80004%207H2.54004Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.96008%207L4.17008%207.19L4.09008%207.5L4.29008%207.31L4.50008%207.5L4.42008%207.19L4.62008%207H4.37008L4.29008%206.69L4.21008%207H3.96008Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M5.38%207L5.58%207.19L5.51%207.5L5.71%207.31L5.91%207.5L5.84%207.19L6.04%207H5.79L5.71%206.69L5.63%207H5.38Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.80005%207L7.00005%207.19L6.92005%207.5L7.13005%207.31L7.33005%207.5L7.25005%207.19L7.46005%207H7.21005L7.13005%206.69L7.05005%207H6.80005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.22009%207L8.42009%207.19L8.34009%207.5L8.55009%207.31L8.75009%207.5L8.67009%207.19L8.88009%207H8.62009L8.55009%206.69L8.47009%207H8.22009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M1.84009%207.78L2.04009%207.97L1.96009%208.28L2.17009%208.09L2.37009%208.28L2.29009%207.97L2.50009%207.78H2.25009L2.17009%207.47L2.09009%207.78H1.84009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.26001%207.78L3.46001%207.97L3.38001%208.28L3.59001%208.09L3.79001%208.28L3.71001%207.97L3.92001%207.78H3.66001L3.59001%207.47L3.51001%207.78H3.26001Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M4.68005%207.78L4.88005%207.97L4.80005%208.28L5.00005%208.09L5.21005%208.28L5.13005%207.97L5.33005%207.78H5.08005L5.00005%207.47L4.93005%207.78H4.68005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.09009%207.78L6.30009%207.97L6.22009%208.28L6.42009%208.09L6.63009%208.28L6.55009%207.97L6.75009%207.78H6.50009L6.42009%207.47L6.35009%207.78H6.09009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M7.51001%207.78L7.72001%207.97L7.64001%208.28L7.84001%208.09L8.04001%208.28L7.97001%207.97L8.17001%207.78H7.92001L7.84001%207.47L7.76001%207.78H7.51001Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.93005%207.78L9.13005%207.97L9.06005%208.28L9.26005%208.09L9.46005%208.28L9.39005%207.97L9.59005%207.78H9.34005L9.26005%207.47L9.18005%207.78H8.93005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M1.8501%209.33L2.0601%209.52L1.9801%209.83L2.1801%209.64L2.3901%209.83L2.3101%209.52L2.5101%209.33H2.2601L2.1801%209.02L2.1001%209.33H1.8501Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.27002%209.33L3.47002%209.52L3.40002%209.83L3.60002%209.64L3.80002%209.83L3.73002%209.52L3.93002%209.33H3.68002L3.60002%209.02L3.52002%209.33H3.27002Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M4.69006%209.33L4.89006%209.52L4.81006%209.83L5.02006%209.64L5.22006%209.83L5.14006%209.52L5.35006%209.33H5.10006L5.02006%209.02L4.94006%209.33H4.69006Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.10999%209.33L6.30999%209.52L6.22999%209.83L6.43999%209.64L6.63999%209.83L6.55999%209.52L6.76999%209.33H6.50999L6.43999%209.02L6.35999%209.33H6.10999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M7.52002%209.33L7.73002%209.52L7.65002%209.83L7.85002%209.64L8.06002%209.83L7.98002%209.52L8.18002%209.33H7.93002L7.85002%209.02L7.78002%209.33H7.52002Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.94006%209.33L9.15006%209.52L9.07006%209.83L9.27006%209.64L9.48006%209.83L9.40006%209.52L9.60006%209.33H9.35006L9.27006%209.02L9.19006%209.33H8.94006Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M1.83008%2010.9L2.04008%2011.09L1.96008%2011.4L2.16008%2011.21L2.37008%2011.4L2.29008%2011.09L2.49008%2010.9H2.24008L2.16008%2010.59L2.09008%2010.9H1.83008Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.25%2010.9L3.46%2011.09L3.38%2011.4L3.58%2011.21L3.79%2011.4L3.71%2011.09L3.91%2010.9H3.66L3.58%2010.59L3.5%2010.9H3.25Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M4.67004%2010.9L4.87004%2011.09L4.80004%2011.4L5.00004%2011.21L5.20004%2011.4L5.13004%2011.09L5.33004%2010.9H5.08004L5.00004%2010.59L4.92004%2010.9H4.67004Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.09009%2010.9L6.29009%2011.09L6.22009%2011.4L6.42009%2011.21L6.62009%2011.4L6.54009%2011.09L6.75009%2010.9H6.50009L6.42009%2010.59L6.34009%2010.9H6.09009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M7.51001%2010.9L7.71001%2011.09L7.63001%2011.4L7.84001%2011.21L8.04001%2011.4L7.96001%2011.09L8.17001%2010.9H7.91001L7.84001%2010.59L7.76001%2010.9H7.51001Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.93005%2010.9L9.13005%2011.09L9.05005%2011.4L9.26005%2011.21L9.46005%2011.4L9.38005%2011.09L9.59005%2010.9H9.33005L9.26005%2010.59L9.18005%2010.9H8.93005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M2.55005%208.55L2.75005%208.74L2.67005%209.05L2.88005%208.86L3.08005%209.05L3.00005%208.74L3.21005%208.55H2.96005L2.88005%208.24L2.80005%208.55H2.55005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.97009%208.55L4.17009%208.74L4.09009%209.05L4.30009%208.86L4.50009%209.05L4.42009%208.74L4.63009%208.55H4.37009L4.30009%208.24L4.22009%208.55H3.97009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M5.38%208.55L5.59%208.74L5.51%209.05L5.71%208.86L5.92%209.05L5.84%208.74L6.04%208.55H5.79L5.71%208.24L5.64%208.55H5.38Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.80005%208.55L7.01005%208.74L6.93005%209.05L7.13005%208.86L7.34005%209.05L7.26005%208.74L7.46005%208.55H7.21005L7.13005%208.24L7.05005%208.55H6.80005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.22009%208.55L8.42009%208.74L8.35009%209.05L8.55009%208.86L8.75009%209.05L8.68009%208.74L8.88009%208.55H8.63009L8.55009%208.24L8.47009%208.55H8.22009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M2.54004%2010.11L2.75004%2010.3L2.67004%2010.62L2.87004%2010.42L3.08004%2010.62L3.00004%2010.3L3.20004%2010.11H2.95004L2.87004%209.8L2.80004%2010.11H2.54004Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.96008%2010.11L4.17008%2010.3L4.09008%2010.62L4.29008%2010.42L4.50008%2010.62L4.42008%2010.3L4.62008%2010.11H4.37008L4.29008%209.8L4.21008%2010.11H3.96008Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M5.38%2010.11L5.58%2010.3L5.51%2010.62L5.71%2010.42L5.91%2010.62L5.84%2010.3L6.04%2010.11H5.79L5.71%209.8L5.63%2010.11H5.38Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.80005%2010.11L7.00005%2010.3L6.92005%2010.62L7.13005%2010.42L7.33005%2010.62L7.25005%2010.3L7.46005%2010.11H7.21005L7.13005%209.8L7.05005%2010.11H6.80005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.22009%2010.11L8.42009%2010.3L8.34009%2010.62L8.55009%2010.42L8.75009%2010.62L8.67009%2010.3L8.88009%2010.11H8.62009L8.55009%209.8L8.47009%2010.11H8.22009Z%22%20fill%3D%22white%22%20%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%22clipUS%22%3E%3Crect%20width%3D%2224%22%20height%3D%2224%22%20fill%3D%22white%22%20%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E)NerdWallet USA](https:\/\/www.nerdwallet.com\/)\n\n\\|\n\n[![CA](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2224%22%20height%3D%2224%22%20viewBox%3D%220%200%2024%2024%22%20fill%3D%22none%22%20style%3D%22transform%3AtranslateY\$3px\$%22%3E%3Cg%20clip-path%3D%27url\$%23clipCA\$%27%3E%3Cpath%20d%3D%22M22.81%201H1.42V15.58H22.81V1Z%22%20stroke%3D%22currentColor%22%20strokeMiterlimit%3D%2210%22%20strokeLinejoin%3D%22round%22%20%2F%3E%3Cpath%20d%3D%22M14.7425%2010.5472C14.7961%2010.4936%2017%208.56438%2017%208.56438L16.6245%208.40343C16.4099%208.29828%2016.4657%208.15665%2016.5172%208.03004C16.5687%207.86695%2016.9485%206.58584%2016.9485%206.58584C16.9485%206.58584%2015.9249%206.80043%2015.7103%206.85408C15.5494%206.90558%2015.4957%206.80043%2015.4421%206.69313C15.3884%206.58584%2015.1202%205.99785%2015.1202%205.99785C15.1202%205.99785%2013.9914%207.28326%2013.9378%207.33476C13.7232%207.49571%2013.5064%207.33476%2013.5601%207.12017C13.5601%206.90558%2014.1524%204.33906%2014.1524%204.33906C14.1524%204.33906%2013.5064%204.71245%2013.2918%204.81974C13.1309%204.92704%2013.0215%204.92704%2012.9142%204.71245C12.8047%204.5515%2011.9979%203%2011.9979%203C11.9979%203%2011.1931%204.5515%2011.0858%204.71245C10.9785%204.92704%2010.8712%204.92704%2010.7082%204.81974C10.4936%204.71245%209.84764%204.33906%209.84764%204.33906C9.84764%204.33906%2010.4399%206.90558%2010.4399%207.12017C10.4936%207.33476%2010.279%207.49571%2010.0622%207.33476C10.0086%207.28112%208.87983%205.99785%208.87983%205.99785C8.87983%205.99785%208.61159%206.58369%208.55794%206.69099C8.50429%206.79828%208.45064%206.90343%208.2897%206.85193C8.07296%206.79828%207.0515%206.58369%207.0515%206.58369C7.0515%206.58369%207.42918%207.86481%207.48283%208.0279C7.53433%208.15665%207.59013%208.29614%207.37554%208.40129L7%208.56438C7%208.56438%209.20172%2010.4936%209.25751%2010.5472C9.36695%2010.6545%209.4721%2010.7082%209.36695%2011.03C9.25751%2011.3519%209.15021%2011.7833%209.15021%2011.7833C9.15021%2011.7833%2011.1931%2011.3519%2011.4099%2011.2983C11.5966%2011.279%2011.8026%2011.3519%2011.8026%2011.5665C11.8026%2011.7811%2011.6781%2013.9871%2011.6781%2013.9871H12.3219C12.3219%2013.9871%2012.1974%2011.7833%2012.1974%2011.5665C12.1974%2011.3498%2012.4013%2011.279%2012.5923%2011.2983C12.8069%2011.3519%2014.8498%2011.7833%2014.8498%2011.7833C14.8498%2011.7833%2014.7425%2011.3519%2014.6352%2011.03C14.5279%2010.7082%2014.6352%2010.6545%2014.7425%2010.5472Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Crect%20x%3D%221%22%20y%3D%221%22%20width%3D%225%22%20height%3D%2215%22%20fill%3D%22currentColor%22%20%2F%3E%3Crect%20x%3D%2218%22%20y%3D%221%22%20width%3D%225%22%20height%3D%2215%22%20fill%3D%22currentColor%22%20%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%27clipCA%27%3E%3Crect%20width%3D%2228%22%20height%3D%2220%22%20fill%3D%22currentColor%22%20%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E)NerdWallet CA](https:\/\/www.nerdwallet.com\/ca)\n\n© 2026 NerdWallet, Inc.\n\nAll Rights Reserved.\n\n[![X](data:image\/svg+xml;base64,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)](https:\/\/twitter.com\/NerdWallet)[![YouTube](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2230%22%20height%3D%2230%22%20viewBox%3D%220%200%2030%2030%22%20fill%3D%22none%22%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M4%200C1.79089%200%200%201.79102%200%204V26C0%2028.209%201.79089%2030%204%2030H26C28.2091%2030%2030%2028.209%2030%2026V4C30%201.79102%2028.2091%200%2026%200H4ZM24.9664%208.99023C25.031%209.12842%2025.0836%209.27246%2025.1234%209.4209C25.5618%2011.0591%2025.5618%2014.481%2025.5618%2014.481C25.5618%2014.481%2025.5618%2017.9028%2025.1234%2019.5415C24.8821%2020.4458%2024.1719%2021.1587%2023.2672%2021.3999C21.6289%2021.8403%2015.0618%2021.8403%2015.0618%2021.8403C15.0618%2021.8403%208.49451%2021.8403%206.8562%2021.3999C5.95386%2021.1587%205.24146%2020.4458%205%2019.5415C4.56177%2017.9028%204.56177%2014.481%204.56177%2014.481C4.56177%2014.481%204.56177%2011.0591%205%209.41846C5.11914%208.97314%205.35339%208.56689%205.6792%208.24072C6.005%207.91455%206.41101%207.67969%206.8562%207.56006C8.49451%207.12158%2015.0618%207.12158%2015.0618%207.12158C15.0618%207.12158%2021.6289%207.12158%2023.2672%207.5625C23.7123%207.68262%2024.1179%207.91748%2024.4437%208.24365C24.6609%208.46094%2024.8374%208.71387%2024.9664%208.99023ZM18.4133%2014.4575L12.9758%2011.3403V17.6216L18.4133%2014.4575Z%22%20fill%3D%22black%22%20%2F%3E%3C%2Fsvg%3E)](https:\/\/www.youtube.com\/@nerdwallet)[![Instagram](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2230%22%20height%3D%2230%22%20viewBox%3D%220%200%2030%2030%22%20fill%3D%22none%22%3E%3Crect%20width%3D%2230%22%20height%3D%2230%22%20rx%3D%224%22%20fill%3D%22black%22%20%2F%3E%3Cpath%20fillRule%3D%22evenodd%22%20clipRule%3D%22evenodd%22%20d%3D%22M11.2902%206.0543C12.2501%206.01036%2012.5566%206%2015.0007%206L14.9993%206.00143C17.4434%206.00143%2017.7514%206.01215%2018.7091%206.05573C19.6668%206.09931%2020.322%206.25149%2020.8935%206.47368C21.4943%206.7%2022.0384%207.0545%2022.4882%207.5125C22.9459%207.96206%2023.3%208.50601%2023.526%209.10645C23.7485%209.67802%2023.9003%2010.3296%2023.9443%2011.2895C23.9882%2012.2493%2023.9986%2012.5558%2023.9986%2015C23.9986%2017.4442%2023.9879%2017.7528%2023.9443%2018.7105C23.9007%2019.6683%2023.7485%2020.3234%2023.526%2020.895C23.0587%2022.1043%2022.1028%2023.0602%2020.8935%2023.5274C20.322%2023.7499%2019.6704%2023.9018%2018.7105%2023.9457C17.7507%2023.9896%2017.4442%2024%2015%2024C12.5558%2024%2012.2472%2023.9893%2011.2895%2023.9457C10.3317%2023.9021%209.67659%2023.7499%209.10503%2023.5274C8.50427%2023.3013%207.96006%2022.9469%207.51036%2022.4889C7.0527%2022.0393%206.69845%2021.4954%206.47226%2020.895C6.25006%2020.3234%206.09824%2019.6711%206.0543%2018.7112C6.01036%2017.7514%206%2017.4449%206%2015.0007C6%2012.5566%206.01072%2012.2486%206.0543%2011.2909C6.09788%2010.3332%206.25006%209.67802%206.47226%209.10645C6.69836%208.50581%207.05261%207.96164%207.51036%207.51179C7.96021%207.05404%208.50438%206.69979%209.10503%206.47368C9.67659%206.25149%2010.3303%206.09824%2011.2902%206.0543ZM18.6359%207.67541C17.6867%207.63219%2017.4024%207.6229%2014.9993%207.6229L15.0007%207.62147C12.5977%207.62147%2012.3133%207.63076%2011.3641%207.67398C10.4868%207.71399%2010.0103%207.86046%209.69304%207.9837C9.30167%208.1278%208.94765%208.35792%208.65708%208.65708C8.35792%208.94765%208.1278%209.30167%207.9837%209.69304C7.86046%2010.0103%207.71399%2010.4868%207.67398%2011.3641C7.63076%2012.3133%207.62147%2012.5977%207.62147%2015.0007C7.62147%2017.4038%207.63076%2017.6882%207.67398%2018.6373C7.71399%2019.5147%207.86046%2019.9912%207.9837%2020.3084C8.1278%2020.6998%208.35792%2021.0538%208.65708%2021.3444C8.94765%2021.6435%209.30167%2021.8737%209.69304%2022.0178C10.0103%2022.141%2010.4868%2022.2875%2011.3641%2022.3275C12.3129%2022.3707%2012.5977%2022.38%2015.0007%2022.38C17.4038%2022.38%2017.6885%2022.3707%2018.6373%2022.3275C19.5147%2022.2875%2019.9912%2022.141%2020.3084%2022.0178C21.093%2021.7147%2021.7133%2021.0945%2022.0163%2020.3099C22.1396%2019.9926%2022.286%2019.5161%2022.326%2018.6387C22.3693%2017.6896%2022.3786%2017.4052%2022.3786%2015.0022C22.3786%2012.5991%2022.3693%2012.3147%2022.326%2011.3656C22.286%2010.4882%2022.1396%2010.0117%2022.0163%209.69447C21.8722%209.3031%2021.6421%208.94908%2021.343%208.6585C21.0524%208.35935%2020.6984%208.12923%2020.307%207.98513C19.9898%207.86189%2019.5132%207.71542%2018.6359%207.67541Z%22%20fill%3D%22%23FFF7EA%22%20%2F%3E%3Cpath%20fillRule%3D%22evenodd%22%20clipRule%3D%22evenodd%22%20d%3D%22M10.3782%2015.0007C10.3782%2012.4486%2012.4471%2010.3796%2014.9993%2010.3796C16.2249%2010.3795%2017.4003%2010.8664%2018.267%2011.733C19.1336%2012.5997%2019.6205%2013.7751%2019.6204%2015.0007C19.6204%2017.5529%2017.5514%2019.6218%2014.9993%2019.6218C12.4471%2019.6218%2010.3782%2017.5529%2010.3782%2015.0007ZM11.9985%2015.0008C11.9985%2016.658%2013.342%2018.0015%2014.9992%2018.0015C15.7951%2018.0015%2016.5583%2017.6853%2017.1211%2017.1226C17.6838%2016.5598%2018%2015.7966%2018%2015.0008C18%2013.3435%2016.6565%2012.0001%2014.9992%2012.0001C13.342%2012.0001%2011.9985%2013.3435%2011.9985%2015.0008Z%22%20fill%3D%22%23FFF7EA%22%20%2F%3E%3Cpath%20fillRule%3D%22evenodd%22%20clipRule%3D%22evenodd%22%20d%3D%22M19.8033%2011.2766C20.3997%2011.2766%2020.8832%2010.7931%2020.8832%2010.1967C20.8832%209.60031%2020.3997%209.11682%2019.8033%209.11682C19.2069%209.11682%2018.7234%209.60031%2018.7234%2010.1967C18.7234%2010.7931%2019.2069%2011.2766%2019.8033%2011.2766Z%22%20fill%3D%22%23FFF7EA%22%20%2F%3E%3C%2Fsvg%3E)](https:\/\/www.instagram.com\/NerdWallet\/)[![Apple Podcasts](data:image\/svg+xml,%3Csvg%20width%3D%2230%22%20height%3D%2230%22%20viewBox%3D%220%200%2030%2030%22%20fill%3D%22none%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%3Cg%20clip-path%3D%22url\$%23clip0_20079_6302\$%22%3E%3Cpath%20d%3D%22M25.9209%200.108887H4.08039C1.88726%200.108887%200.109375%201.88677%200.109375%204.0799V25.9205C0.109375%2028.1136%201.88726%2029.8915%204.08039%2029.8915H25.9209C28.1141%2029.8915%2029.892%2028.1136%2029.892%2025.9205V4.0799C29.892%201.88677%2028.1141%200.108887%2025.9209%200.108887Z%22%20fill%3D%22black%22%2F%3E%3Cpath%20d%3D%22M15%2019.5C16.1931%2019.4988%2017.337%2019.0243%2018.1806%2018.1806C19.0243%2017.337%2019.4988%2016.1931%2019.5%2015V9C19.5%207.80653%2019.0259%206.66193%2018.182%205.81802C17.3381%204.97411%2016.1935%204.5%2015%204.5C13.8065%204.5%2012.6619%204.97411%2011.818%205.81802C10.9741%206.66193%2010.5%207.80653%2010.5%209V15C10.5012%2016.1931%2010.9757%2017.337%2011.8194%2018.1806C12.663%2019.0243%2013.8069%2019.4988%2015%2019.5ZM12%209C12%208.20435%2012.3161%207.44129%2012.8787%206.87868C13.4413%206.31607%2014.2044%206%2015%206C15.7957%206%2016.5587%206.31607%2017.1213%206.87868C17.6839%207.44129%2018%208.20435%2018%209V15C18%2015.7957%2017.6839%2016.5587%2017.1213%2017.1213C16.5587%2017.6839%2015.7957%2018%2015%2018C14.2044%2018%2013.4413%2017.6839%2012.8787%2017.1213C12.3161%2016.5587%2012%2015.7957%2012%2015V9ZM15.75%2022.4625V24.75C15.75%2024.9489%2015.671%2025.1397%2015.5303%2025.2803C15.3897%2025.421%2015.1989%2025.5%2015%2025.5C14.8011%2025.5%2014.6103%2025.421%2014.4697%2025.2803C14.329%2025.1397%2014.25%2024.9489%2014.25%2024.75V22.4625C12.4009%2022.2743%2010.6873%2021.4072%209.44048%2020.0288C8.19368%2018.6504%207.50228%2016.8586%207.5%2015C7.5%2014.8011%207.57902%2014.6103%207.71967%2014.4697C7.86032%2014.329%208.05109%2014.25%208.25%2014.25C8.44891%2014.25%208.63968%2014.329%208.78033%2014.4697C8.92098%2014.6103%209%2014.8011%209%2015C9%2016.5913%209.63214%2018.1174%2010.7574%2019.2426C11.8826%2020.3679%2013.4087%2021%2015%2021C16.5913%2021%2018.1174%2020.3679%2019.2426%2019.2426C20.3679%2018.1174%2021%2016.5913%2021%2015C21%2014.8011%2021.079%2014.6103%2021.2197%2014.4697C21.3603%2014.329%2021.5511%2014.25%2021.75%2014.25C21.9489%2014.25%2022.1397%2014.329%2022.2803%2014.4697C22.421%2014.6103%2022.5%2014.8011%2022.5%2015C22.4977%2016.8586%2021.8063%2018.6504%2020.5595%2020.0288C19.3127%2021.4072%2017.5991%2022.2743%2015.75%2022.4625Z%22%20fill%3D%22white%22%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%22clip0_20079_6302%22%3E%3Crect%20width%3D%2230%22%20height%3D%2230%22%20fill%3D%22white%22%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E)](https:\/\/play.megaphone.fm\/xcr_lszorm-uiidw0pl5eq)[![TikTok](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIzMCIgaGVpZ2h0PSIzMCIgdmlld0JveD0iMzguODM1IDkwLjQ0IDMwLjIxOSAzMC4wNCIgPjxnIHRyYW5zZm9ybT0ibWF0cml4KDEsIDAsIDAsIDEsIC00MzQuNTA5NTIxNDg0Mzc1LCAtMjEyLjM1Nzk4NjQ1MDE5NTM0KSI+PHJlY3Qgd2lkdGg9IjMwIiBoZWlnaHQ9IjMwIiByeD0iNCIgeD0iNDczLjQ1NCIgc3R5bGU9ImZpbGwtcnVsZTogZXZlbm9kZDsiIHk9IjMwMi44MTgiLz48cGF0aCBkPSJNIDQ4Ni41NjEgMzE3LjEyNyBDIDQ4NC45MDQgMzE3LjEyNyA0ODMuNTYxIDMxOC40NyA0ODMuNTYxIDMyMC4xMjcgQyA0ODMuNTYxIDMyMS43ODQgNDg0LjkwNCAzMjMuMTI3IDQ4Ni41NjEgMzIzLjEyNyBDIDQ4OC4yMTggMzIzLjEyNyA0ODkuNTYxIDMyMS43ODQgNDg5LjU2MSAzMjAuMTI3IEwgNDg5LjU2MSAzMTEuMTI3IEMgNDg5Ljg5NSAzMTIuMTI3IDQ5MS4xNjEgMzE0LjEyNyA0OTMuNTYxIDMxNC4xMjciIHN0cm9rZS13aWR0aD0iMS41IiBzdHJva2UtbGluZWNhcD0icm91bmQiIHN0cm9rZS1saW5lam9pbj0icm91bmQiIHN0eWxlPSJmaWxsOiBub25lOyBzdHJva2U6IHJnYigyNTUsIDI1NSwgMjU1KTsiLz48cGF0aCBkPSJNIDQ5Ny43NjcgMzEzLjQyOCBMIDQ5Ny43NjcgMzIxLjQyOCBDIDQ5Ny43NjcgMzI0LjE4OSA0OTUuNTI4IDMyNi40MjggNDkyLjc2NyAzMjYuNDI4IEwgNDg0Ljc2NyAzMjYuNDI4IEMgNDgyLjAwNiAzMjYuNDI4IDQ3OS43NjcgMzI0LjE4OSA0NzkuNzY3IDMyMS40MjggTCA0NzkuNzY3IDMxMy40MjggQyA0NzkuNzY3IDMxMC42NjYgNDgyLjAwNiAzMDguNDI4IDQ4NC43NjcgMzA4LjQyOCBMIDQ5Mi43NjcgMzA4LjQyOCBDIDQ5NS41MjggMzA4LjQyOCA0OTcuNzY3IDMxMC42NjYgNDk3Ljc2NyAzMTMuNDI4IFoiIHN0cm9rZS13aWR0aD0iMS41IiBzdHJva2UtbGluZWNhcD0icm91bmQiIHN0cm9rZS1saW5lam9pbj0icm91bmQiIHN0eWxlPSJmaWxsOiBub25lOyBzdHJva2U6IHJnYigyNTUsIDI1NSwgMjU1KTsiLz48L2c+PC9zdmc+)](https:\/\/www.tiktok.com\/@nerdwallet?lang=en)\n\n![](https:\/\/bat.bing.com\/action\/0?ti=5000528&Ver=2)","attrs_readable_markdown":"When you invest in a stock, you’re hoping the company grows and performs well over time. That's how you end up making money. One of the best ways for beginners to learn is to open an online investment account and buy stocks through it.\n\nYou don't need a lot of money to start. Many brokerages allow you to open an investing account with \\$0, though you'll need some money to actually start investing. Even small amounts — \\$10 or \\$20 — will do.\n\nSome brokers also offer [paper trading](https:\/\/www.nerdwallet.com\/investing\/best\/brokers-paper-trading), which lets you learn how to buy and sell with stock market simulators before you invest any real money.\n\nHow to invest in stocks\n\nTo invest in stocks, open an online brokerage account, add money to the account, and purchase stocks or stock-based funds from there. While these steps cover DIY investing, you can also invest in stocks through a financial advisor or a robo-advisor (more on that later).\n\nStep 1. Choose a broker\n\nTo invest in stocks, you'll first need to figure out which broker you want to open an account with. (Not sure how to do this? Read our guide on [how to open a brokerage account](https:\/\/www.nerdwallet.com\/investing\/learn\/what-is-how-to-open-brokerage-account).)\n\nSome brokers, like Fidelity, are famous for their many years in business and 24\/7 customer support. Others, like Robinhood, are known for their easy-to-use platforms and apps.\n\nYou'll want to evaluate brokers based on factors like costs, investment selection, investor research, tools and customer service access. Maybe you'll want to open a brokerage account where you already have a bank account, which can help you see all your finances in one place.\n\n| Brokerage firms |   |\n|---|---|\n| [![Charles Schwab](https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/quality=85\/cdn\/investing\/logos\/CharlesTrial.png)](https:\/\/www.nerdwallet.com\/redirect\/61fabd58-44eb-11e8-9c02-fb51e6eec6b5?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=product_image&finish_type=external_application&impression_position=0&impression_section=mini_product_card) [NerdWallet rating](https:\/\/www.nerdwallet.com\/investing\/reviews\/schwab-brokerage \"Read review\") [Learn more](https:\/\/www.nerdwallet.com\/redirect\/61fabd58-44eb-11e8-9c02-fb51e6eec6b5?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=apply_now_button&finish_type=external_application&impression_position=0&impression_section=mini_product_card) on Charles Schwab's website | [![E\\*TRADE](https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/quality=85\/cdn\/investing\/logos\/etrade_ms.png)](https:\/\/www.nerdwallet.com\/redirect\/61f673ba-44eb-11e8-9c02-9b9860598c1e?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=product_image&finish_type=external_application&impression_position=0&impression_section=mini_product_card) [NerdWallet rating](https:\/\/www.nerdwallet.com\/investing\/reviews\/etrade \"Read review\") [Learn more](https:\/\/www.nerdwallet.com\/redirect\/61f673ba-44eb-11e8-9c02-9b9860598c1e?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=apply_now_button&finish_type=external_application&impression_position=0&impression_section=mini_product_card) on E\\*TRADE's website |\n| [![Vanguard](https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/quality=85\/cdn\/investing\/logos\/vanglogo.png)](https:\/\/www.nerdwallet.com\/redirect\/61f78eb2-44eb-11e8-9c02-eb58816e8aeb?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=product_image&finish_type=external_application&impression_position=0&impression_section=mini_product_card) [NerdWallet rating](https:\/\/www.nerdwallet.com\/investing\/reviews\/vanguard \"Read review\") [Learn more](https:\/\/www.nerdwallet.com\/redirect\/61f78eb2-44eb-11e8-9c02-eb58816e8aeb?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=apply_now_button&finish_type=external_application&impression_position=0&impression_section=mini_product_card) on Vanguard's website | [![Fidelity](https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/quality=85\/cdn\/investing\/logos\/FidNewLogo.png)](https:\/\/www.nerdwallet.com\/redirect\/61ed8d72-44eb-11e8-9c02-53658283ffc3?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=product_image&finish_type=external_application&impression_position=0&impression_section=mini_product_card) [NerdWallet rating](https:\/\/www.nerdwallet.com\/investing\/reviews\/fidelity \"Read review\") [Learn more](https:\/\/www.nerdwallet.com\/redirect\/61ed8d72-44eb-11e8-9c02-53658283ffc3?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=apply_now_button&finish_type=external_application&impression_position=0&impression_section=mini_product_card) on Fidelity's website |\n\nStep 2. Pick a type of investment account\n\nThere are several types of investment accounts, and it's a good idea to figure out which account is right for you. For example, a [Roth IRA](https:\/\/www.nerdwallet.com\/retirement\/learn\/what-is-a-roth-ira) offers significant tax benefits, whereas a standard brokerage account does not.\n\nYou'll need to provide some personal information, including your Social Security number, and it will probably take about 15 minutes to open the account. With some brokerages, it can take a few days to connect your bank account, so you may have to wait before you can start buying investments.\n\nKeep in mind, an investment account is just an account — it's not an investment. You have to add money to it and then purchase investments from there.\n\nGood to know: If you have a 401(k) or other retirement plan at work, you may already be invested in stocks. These plans often offer a curated selection of stock and bond mutual funds. If your employer matches your contributions to that plan, you should invest enough to earn the full match before investing in stocks elsewhere.\n\nStep 3. Choose individual stocks or a stock fund\n\nInvesting in the stock market doesn't have to be complicated. For most people, it means choosing between these two investment types:\n\nStock mutual funds\n\n[Mutual funds](https:\/\/www.nerdwallet.com\/investing\/learn\/how-to-invest-in-mutual-funds) let you purchase small pieces of many different stocks in a single transaction. Index funds and exchange-traded funds (ETFs) are two kinds of mutual funds that track an index; for example, an S\\&P 500 fund replicates that index by buying the stock of the companies in it.\n\nWhen you invest in a fund, you also own small pieces of each of those companies. You can put several funds together to build a diversified portfolio. Note that stock mutual funds are also sometimes called equity mutual funds.\n\nIndividual stocks\n\nIf you’re after a specific company, you can buy a single share or a few shares as a way to dip your toe into the stock-trading waters. Building a diversified portfolio out of many individual stocks is possible, but it takes a significant investment and research.\n\nIf you go this route, remember that individual stocks will have ups and downs. If you research a company and choose to invest in it, think about why you picked that company in the first place if jitters start to set in on a down day.\n\nWhat makes sense for most investors?\n\nThe upside of stock mutual funds is that they are inherently diversified, which reduces your risk. For the vast majority of investors — particularly those who are investing their retirement savings — a portfolio made up of mostly mutual funds is the clear choice.\n\nBut mutual funds are unlikely to rise in meteoric fashion as some individual stocks might. The upside of individual stocks is that a wise pick can pay off handsomely, but the odds that any individual stock will make you rich are exceedingly slim.\n\nHowever, it doesn't have to be all or nothing\n\nIf you decide you want a good portion of your portfolio to be invested in mutual funds, that doesn't mean you have to avoid individual stocks altogether. If you want to test your luck at being an early investor in the next Google, a good compromise could be dedicating a small portion of your portfolio — say, 5% — to individual stock investing.\n\nStep 4. Set a budget\n\nNew investors will want to think about two things in this step of the process:\n\nHow much money do I need to start investing in stocks?\n\nThe amount of money you need to buy a single stock depends on the share price. Share prices can range from just a few dollars to a few thousand dollars. Some brokerages allow you to invest with fractional shares. Simply put, that means you can choose a dollar amount to invest and own part of a share.\n\nIf you want mutual funds and have a small budget, [investing in ETFs](https:\/\/www.nerdwallet.com\/investing\/learn\/how-to-invest-in-etf-exchange-traded-fund) may be your best bet. Mutual funds often have minimums of \\$1,000 or more, but ETFs trade like a stock, which means you purchase them for a share price — in some cases, less than \\$100.\n\nHow much money should I invest in stocks?\n\nIf you’re investing through funds, you can allocate a fairly large portion of your portfolio toward stock funds, especially if you have a long time horizon.\n\nA 30-year-old investing for retirement might have 80% of their portfolio in stock funds, with the rest in bond funds (and perhaps a small portion in individual stocks).\n\nStep 5. Focus on investing for the long term\n\nStock market investments have proven to be one of the best ways to grow long-term wealth. Over several decades, the average stock market return has been about 10% per year. However, that’s just an average across the entire market. Some years will be up, some will be down, and individual stocks will vary in their returns.\n\nFor long-term investors, the stock market is a good investment no matter what’s happening day-to-day or year-to-year; they’re looking for that long-term average.\n\nThe best thing to do after you start investing in stocks or mutual funds may be the hardest: Don’t look at them. Unless you’re trying to beat the odds and succeed at day trading, it’s good to avoid the habit of checking how your stocks are doing every day.\n\nTip: When we say \"long-term investing,\" we generally mean at least five years. That usually gives your portfolio time to ride out any market downturns. If you have a goal that's closer, check out our list of the [best short-term investments](https:\/\/www.nerdwallet.com\/investing\/learn\/where-to-put-short-term-savings).\n\nStep 6. Manage your stock portfolio\n\nWhile fretting over daily fluctuations won’t do much for your portfolio’s health — or your own — there will, of course, be times when you’ll need to check in on your investments.\n\nIf you follow the steps above to buy mutual funds and individual stocks over time, you’ll want to revisit your portfolio a few times a year to make sure it’s still in line with your investment goals.\n\nA few things to consider: If you’re approaching retirement, you may want to move some of your stock investments over to more conservative fixed-income investments. If your portfolio is heavily weighted in one sector or industry, consider buying stocks or funds in another sector to diversify.\n\nPay attention to geographic diversification, too. Vanguard recommends that international stocks make up as much as 40% of the stocks in your portfolio. You can purchase international stock mutual funds to get this exposure.\n\nIf DIY investing feels like too much work ...\n\nYou may be a good candidate for a robo-advisor, a service that invests your money for you for a small fee. Many of the major brokerage firms and some independent companies offer these services.\n\nSimilar to shopping for a broker, there are pros and cons to each. Some robo-advisors have very low fees, while others let you talk with a financial advisor if you need extra support or more personalized guidance. It's a good idea to compare robo-advisors to see which ones offer the services you need. Most robo-advisors charge about 0.25% of your account balance.\n\nFrequently Asked Questions\n\nWhich stocks are the best investments for beginners?  Which stocks are the best investments for beginners?\n\nHow many stocks should I invest in?  How many stocks should I invest in?\n\nIs now a good time to invest in stocks?  Is now a good time to invest in stocks?\n\nAre investing apps safe?  Are investing apps safe?","meta_canonical":null}

3. Robots.txt Check

Query:

Response:

4. Spam/Ban Check

Query:

Response:

5. Seen Status Check

ℹ️ Skipped - page is already crawled

📄

INDEXABLE

✅

CRAWLED

3 days ago

🤖

ROBOTS ALLOWED

Page Info Filters

Filter	Status	Condition	Details
HTTP status	PASS	`download_http_code = 200`	HTTP 200
Age cutoff	PASS	`download_stamp > now() - 6 MONTH`	0.1 months ago
History drop	PASS	`isNull(history_drop_reason)`	No drop reason
Spam/ban	PASS	`fh_dont_index != 1 AND ml_spam_score = 0`	ml_spam_score=0
Canonical	PASS	`meta_canonical IS NULL OR = '' OR = src_unparsed`	Not set

Page Details

Property	Value
URL	https://www.nerdwallet.com/investing/learn/how-to-invest-in-stocks
Last Crawled	2026-04-16 10:07:45 (3 days ago)
First Indexed	2025-11-04 17:30:57 (5 months ago)
HTTP Status Code	200
Meta Title	How to Invest in Stocks as a Beginner - NerdWallet
Meta Description	Learn how to invest in stocks, including how to select a brokerage account research investments.
Meta Canonical	null
Boilerpipe Text	When you invest in a stock, you’re hoping the company grows and performs well over time. That's how you end up making money. One of the best ways for beginners to learn is to open an online investment account and buy stocks through it. You don't need a lot of money to start. Many brokerages allow you to open an investing account with $0, though you'll need some money to actually start investing. Even small amounts — $10 or $20 — will do. Some brokers also offer paper trading , which lets you learn how to buy and sell with stock market simulators before you invest any real money. How to invest in stocks To invest in stocks, open an online brokerage account, add money to the account, and purchase stocks or stock-based funds from there. While these steps cover DIY investing, you can also invest in stocks through a financial advisor or a robo-advisor (more on that later). Step 1. Choose a broker To invest in stocks, you'll first need to figure out which broker you want to open an account with. (Not sure how to do this? Read our guide on how to open a brokerage account .) Some brokers, like Fidelity, are famous for their many years in business and 24/7 customer support. Others, like Robinhood, are known for their easy-to-use platforms and apps. You'll want to evaluate brokers based on factors like costs, investment selection, investor research, tools and customer service access. Maybe you'll want to open a brokerage account where you already have a bank account, which can help you see all your finances in one place. Brokerage firms NerdWallet rating Learn more on Charles Schwab's website NerdWallet rating Learn more on E*TRADE's website NerdWallet rating Learn more on Vanguard's website NerdWallet rating Learn more on Fidelity's website Step 2. Pick a type of investment account There are several types of investment accounts, and it's a good idea to figure out which account is right for you. For example, a Roth IRA offers significant tax benefits, whereas a standard brokerage account does not. You'll need to provide some personal information, including your Social Security number, and it will probably take about 15 minutes to open the account. With some brokerages, it can take a few days to connect your bank account, so you may have to wait before you can start buying investments. Keep in mind, an investment account is just an account — it's not an investment. You have to add money to it and then purchase investments from there. Good to know: If you have a 401(k) or other retirement plan at work, you may already be invested in stocks. These plans often offer a curated selection of stock and bond mutual funds. If your employer matches your contributions to that plan, you should invest enough to earn the full match before investing in stocks elsewhere. Step 3. Choose individual stocks or a stock fund Investing in the stock market doesn't have to be complicated. For most people, it means choosing between these two investment types: Stock mutual funds Mutual funds let you purchase small pieces of many different stocks in a single transaction. Index funds and exchange-traded funds (ETFs) are two kinds of mutual funds that track an index; for example, an S&P 500 fund replicates that index by buying the stock of the companies in it. When you invest in a fund, you also own small pieces of each of those companies. You can put several funds together to build a diversified portfolio. Note that stock mutual funds are also sometimes called equity mutual funds. Individual stocks If you’re after a specific company, you can buy a single share or a few shares as a way to dip your toe into the stock-trading waters. Building a diversified portfolio out of many individual stocks is possible, but it takes a significant investment and research. If you go this route, remember that individual stocks will have ups and downs. If you research a company and choose to invest in it, think about why you picked that company in the first place if jitters start to set in on a down day. What makes sense for most investors? The upside of stock mutual funds is that they are inherently diversified, which reduces your risk. For the vast majority of investors — particularly those who are investing their retirement savings — a portfolio made up of mostly mutual funds is the clear choice. But mutual funds are unlikely to rise in meteoric fashion as some individual stocks might. The upside of individual stocks is that a wise pick can pay off handsomely, but the odds that any individual stock will make you rich are exceedingly slim. However, it doesn't have to be all or nothing If you decide you want a good portion of your portfolio to be invested in mutual funds, that doesn't mean you have to avoid individual stocks altogether. If you want to test your luck at being an early investor in the next Google, a good compromise could be dedicating a small portion of your portfolio — say, 5% — to individual stock investing. Step 4. Set a budget New investors will want to think about two things in this step of the process: How much money do I need to start investing in stocks? The amount of money you need to buy a single stock depends on the share price. Share prices can range from just a few dollars to a few thousand dollars. Some brokerages allow you to invest with fractional shares. Simply put, that means you can choose a dollar amount to invest and own part of a share. If you want mutual funds and have a small budget, investing in ETFs may be your best bet. Mutual funds often have minimums of $1,000 or more, but ETFs trade like a stock, which means you purchase them for a share price — in some cases, less than $100. How much money should I invest in stocks? If you’re investing through funds, you can allocate a fairly large portion of your portfolio toward stock funds, especially if you have a long time horizon. A 30-year-old investing for retirement might have 80% of their portfolio in stock funds, with the rest in bond funds (and perhaps a small portion in individual stocks). Step 5. Focus on investing for the long term Stock market investments have proven to be one of the best ways to grow long-term wealth. Over several decades, the average stock market return has been about 10% per year. However, that’s just an average across the entire market. Some years will be up, some will be down, and individual stocks will vary in their returns. For long-term investors, the stock market is a good investment no matter what’s happening day-to-day or year-to-year; they’re looking for that long-term average. The best thing to do after you start investing in stocks or mutual funds may be the hardest: Don’t look at them. Unless you’re trying to beat the odds and succeed at day trading, it’s good to avoid the habit of checking how your stocks are doing every day. Tip: When we say "long-term investing," we generally mean at least five years. That usually gives your portfolio time to ride out any market downturns. If you have a goal that's closer, check out our list of the best short-term investments . Step 6. Manage your stock portfolio While fretting over daily fluctuations won’t do much for your portfolio’s health — or your own — there will, of course, be times when you’ll need to check in on your investments. If you follow the steps above to buy mutual funds and individual stocks over time, you’ll want to revisit your portfolio a few times a year to make sure it’s still in line with your investment goals. A few things to consider: If you’re approaching retirement, you may want to move some of your stock investments over to more conservative fixed-income investments. If your portfolio is heavily weighted in one sector or industry, consider buying stocks or funds in another sector to diversify. Pay attention to geographic diversification, too. Vanguard recommends that international stocks make up as much as 40% of the stocks in your portfolio. You can purchase international stock mutual funds to get this exposure . If DIY investing feels like too much work ... You may be a good candidate for a robo-advisor, a service that invests your money for you for a small fee. Many of the major brokerage firms and some independent companies offer these services. Similar to shopping for a broker, there are pros and cons to each. Some robo-advisors have very low fees, while others let you talk with a financial advisor if you need extra support or more personalized guidance. It's a good idea to compare robo-advisors to see which ones offer the services you need. Most robo-advisors charge about 0.25% of your account balance. Frequently Asked Questions Which stocks are the best investments for beginners? Which stocks are the best investments for beginners? How many stocks should I invest in? How many stocks should I invest in? Is now a good time to invest in stocks? Is now a good time to invest in stocks? Are investing apps safe? Are investing apps safe?
Markdown	[Skip to content](https://www.nerdwallet.com/investing/learn/how-to-invest-in-stocks#main)[![Nerdwallet icon](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIGhlaWdodD0iMjdweCIgd2lkdGg9IjI3cHgiIHZpZXdCb3g9IjAgMCAzMjUuNzYgMzI1Ljc3IiBhcmlhLWxhYmVsbGVkYnk9Im5hdl9fbG9nby1zaG9ydF9fdGl0bGVfX2hlYWRlciIgPjx0aXRsZSBpZD0ibmF2X19sb2dvLXNob3J0X190aXRsZV9faGVhZGVyIj5OZXJkd2FsbGV0IGljb248L3RpdGxlPjxzeW1ib2wgaWQ9Im53LWxvZ28tbi1oZWFkZXIiPjxwYXRoIGZpbGw9Im5vbmUiIGQ9Ik0xMDguNTkgMjE3LjE4aC0uMDMuMDQtLjAxbTAgMGgtLjAzLjA0LS4wMSIgLz48cGF0aCBmaWxsPSIjMDBhZTRkIiBkPSJNMTA3LjkyLjY0YTEwIDEwIDAgMCAwLTMuNTEtLjY0SDcuMTVBNy4xNSA3LjE1IDAgMCAwIDAgNy4xNXYxMDEuNDR6IiAvPjxwYXRoIGZpbGw9Im5vbmUiIGQ9Ik0xMDguNTkgMjE3LjE4aC0uMDMuMDQtLjAxIiAvPjxwYXRoIGZpbGw9IiMwMGFlNGQiIGQ9Ik0yLjA5IDMyMy42N2E3LjEzIDcuMTMgMCAwIDAgNS4wNiAyLjA5aDk0LjI5YTcuMTUgNy4xNSAwIDAgMCA3LjE1LTcuMTVWMjE3LjE4eiIgLz48cGF0aCBmaWxsPSIjMDA2ODJjIiBkPSJNMjE3LjE3IDEwOC41OXYyMTYuMjlsLjY1LjI3IDEwNy45NC0xMDcuOTd6IiAvPjxwYXRoIGZpbGw9Im5vbmUiIGQ9Ik0xMDguNTkgMjE3LjE4aC0uMDMuMDMiIC8+PHBhdGggZmlsbD0iIzhjY2IzMiIgZD0iTTEwOC41OSAyMTcuMThWLjg4Yy0uMjEtLjEtLjQzLS4yLS42NS0uMjhMMCAxMDguNTl2MjEwYTcuMTMgNy4xMyAwIDAgMCAyLjA5IDUuMDV6bTIxNy4xNyAwVjcuMTVBNy4xNSA3LjE1IDAgMCAwIDMxOC42MSAwaC05NC4yOWE3LjE1IDcuMTUgMCAwIDAtNy4xNSA3LjE0djEwMS40NXptMCAwTDIxNy44MiAzMjUuMTJhMTAgMTAgMCAwIDAgMy41MS42NGg5Ny4yOWE3LjE1IDcuMTUgMCAwIDAgNy4xNS03LjE1VjIxNy4xOHoiIC8+PHBhdGggZmlsbD0iI2QwZDFkMyIgZD0iTTEwOC42IDIxNy4xOGgtLjAxLjAxbTEwOC41OC0xMDguNTkiIC8+PHBhdGggZmlsbD0iIzAwYWU0ZCIgZD0iTTExMS41MiAyLjkzYTkuOTQgOS45NCAwIDAgMC0yLjk0LTJ2MjE2LjI1bDEwNS42NiAxMDUuNjVhMTAgMTAgMCAwIDAgMi45NCAyVjEwOC41OXoiIC8+PC9zeW1ib2w+PHVzZSBocmVmPSIjbnctbG9nby1uLWhlYWRlciIgLz48L3N2Zz4=)![Nerdwallet logo](data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20height%3D%2221px%22%20width%3D%22127px%22%20viewBox%3D%22-361.3%20271.3%20128.3%2018.5%22%20aria-hidden%3D%22true%22%20%3E%3Cpath%20fill%3D%22%238DC63F%22%20d%3D%22M-233.4%20279.6h-2.7v5c0%20.6.1%201.1.4%201.4.2.3.7.5%201.3.5.2%200%20.4%200%20.7-.1h.1c.2%200%20.4.1.5.4v2.4c0%20.2-.1.3-.3.4-.2.1-.5.1-.8.2-.5.1-.9.1-1.4.1-.9%200-1.6-.1-2.2-.3-.6-.2-1.1-.5-1.4-.9-.4-.4-.6-.9-.8-1.5-.2-.6-.2-1.2-.2-1.9v-11.7c0-.2.2-.4.4-.4h3c.3%200%20.5.2.5.5l.3%203h2.7c.2%200%20.4.2.4.4v2.4c-.1%200-.3.1-.5.1zm-17.7%204.4c0%20.4.1.7.3%201%20.2.3.4.6.7.8.3.2.6.4%201%20.5.4.1.7.2%201.1.2.7%200%201.3-.1%201.7-.4l.9-.6c.2-.2.4-.2.6%200l1.8%201.9c.2.2.2.5%200%20.6-.5.4-1%20.8-1.6%201.1-1%20.5-2.2.7-3.5.7-1%200-1.9-.2-2.8-.5-.9-.3-1.6-.7-2.3-1.3-.7-.6-1.2-1.3-1.5-2.1-.4-.9-.6-1.8-.6-2.9%200-1.1.2-2%20.5-2.9.4-.9.9-1.6%201.5-2.2.6-.6%201.4-1.1%202.2-1.4.9-.3%201.8-.5%202.8-.5%201%200%201.8.2%202.6.5s1.5.8%202.1%201.4c.6.6%201%201.3%201.3%202.2.3.9.5%201.9.5%203v1h-9.3v-.1zm4.9-4.4c-.4-.5-1.1-.7-1.9-.7-.4%200-.8.1-1.1.2-.3.1-.7.3-.9.5-.3.2-.5.5-.6.8-.2.3-.2.6-.3%201h5.5c-.1-.7-.3-1.3-.7-1.8zm-10.9%209.7h-3.6c-.2%200-.4-.2-.4-.4v-17.3c0-.2.2-.4.4-.4h3.6c.2%200%20.4.2.4.4v17.3c-.1.2-.2.4-.4.4zm-7.2%200h-3.6c-.2%200-.4-.2-.4-.4v-17.3c0-.2.2-.4.4-.4h3.6c.2%200%20.4.2.4.4v17.3c0%20.2-.2.4-.4.4zm-7.1%200h-2.6c-.2%200-.4-.1-.5-.4l-.3-1c-.4.4-1%20.8-1.7%201.1-.6.3-1.3.5-2.1.5h-.7c-1%200-1.8-.2-2.6-.6-.8-.4-1.4-.9-1.9-1.5s-.9-1.4-1.2-2.2c-.3-.8-.4-1.7-.4-2.6%200-.9.1-1.8.4-2.6.3-.8.7-1.5%201.2-2.2.5-.6%201.2-1.1%201.9-1.5.8-.4%201.6-.5%202.5-.5%201.1%200%202%20.2%202.7.5.6.3%201%20.6%201.4.9l.3-1.2c.1-.2.3-.4.5-.4h3c.2%200%20.4.2.4.4v12.7c.1.4-.1.6-.3.6zm-3.9-7.7c-.1-.4-.4-.8-.6-1.1-.3-.3-.6-.6-1-.8-.4-.2-.8-.3-1.3-.3s-.9.1-1.3.3c-.4.2-.7.4-1%20.7-.3.3-.5.7-.6%201.1-.1.4-.2.8-.2%201.2%200%20.4.1.8.2%201.2.1.4.3.8.6%201.1.3.3.6.6%201%20.8.4.2.8.3%201.3.3s.9-.1%201.3-.3c.4-.2.7-.4%201-.8.3-.3.5-.7.6-1.1.1-.4.2-.8.2-1.2%200-.3-.1-.7-.2-1.1zm-14.4%207.4c-.1.2-.2.3-.4.3h-3.8c-.2%200-.3-.1-.4-.3l-2.5-7.8h-.1l-2.4%207.8c0%20.2-.2.3-.4.3h-3.8c-.2%200-.3-.1-.4-.3l-4.2-12.2c-.1-.2.1-.5.4-.5h3.8c.2%200%20.3.1.4.3l2.2%207.9h.1l2.2-7.9c0-.2.2-.3.4-.3h3.7c.2%200%20.3.1.4.3l2.3%207.9h.1l2.2-7.9c0-.2.2-.3.4-.3h3.6c.3%200%20.4.3.4.5l-4.2%2012.2zm-19.5.3h-2.6c-.2%200-.4-.1-.5-.4l-.3-.8c-.4.4-.9.7-1.5%201-.7.4-1.6.5-2.6.6h-.3c-1%200-1.8-.2-2.6-.6-.8-.4-1.4-.9-1.9-1.5s-.9-1.4-1.2-2.2c-.3-.8-.4-1.7-.4-2.6%200-.9.1-1.8.4-2.6.3-.8.7-1.5%201.2-2.2.5-.6%201.2-1.1%201.9-1.5.8-.4%201.6-.5%202.5-.5%201%200%201.8.2%202.4.5.7.4%201.2.8%201.5%201.2h.1v-6.1c0-.2.2-.4.4-.4h3.5c.2%200%20.4.2.4.4v17.3c-.1.2-.2.4-.4.4zm-4-7.7c-.1-.4-.4-.8-.6-1.1-.3-.3-.6-.6-1-.8-.4-.2-.8-.3-1.3-.3s-.9.1-1.3.3c-.4.2-.7.4-1%20.7-.3.3-.5.7-.6%201.1-.1.4-.2.8-.2%201.2%200%20.4.1.8.2%201.2.1.4.3.8.6%201.1.3.3.6.6%201%20.8.4.2.8.3%201.3.3s.9-.1%201.3-.3c.4-.2.7-.4%201-.8.3-.3.5-.7.6-1.1.1-.4.2-.8.2-1.2%200-.3%200-.7-.2-1.1zm-10.2-5.2l-.1%203c0%20.2-.2.4-.4.3h-.7c-.6%200-1.1.1-1.4.3-.4.2-.7.5-.9.8-.2.3-.4.6-.5%201-.1.3-.2.6-.2.9v6.3c0%20.2-.2.4-.4.4h-3.5c-.2%200-.4-.2-.4-.4v-12.2c0-.2.2-.4.4-.4h2.8c.2%200%20.4.2.5.4l.3.9a5%205%200%200%201%201.6-1.1c.2-.1.4-.2.6-.2.5-.2%201-.3%201.5-.3h.6c.1-.1.2.1.2.3zm-19.5%207.6c0%20.4.1.7.3%201%20.2.3.4.6.7.8.3.2.6.4%201%20.5.4.1.7.2%201.1.2.7%200%201.3-.1%201.7-.4l.9-.6c.2-.2.4-.2.6%200l1.8%201.9c.2.2.2.5%200%20.6-.5.4-1%20.8-1.6%201.1-1%20.5-2.2.7-3.5.7-1%200-1.9-.2-2.8-.5-.9-.3-1.6-.7-2.3-1.3-.7-.6-1.2-1.3-1.5-2.1-.4-.9-.6-1.8-.6-2.9%200-1.1.2-2%20.5-2.9.4-.9.9-1.6%201.5-2.2.6-.6%201.4-1.1%202.2-1.4.9-.3%201.8-.5%202.8-.5%201%200%201.8.2%202.6.5s1.5.8%202.1%201.4c.6.6%201%201.3%201.3%202.2.3.9.5%201.9.5%203v1h-9.3v-.1zm4.8-4.4c-.4-.5-1.1-.7-1.9-.7-.4%200-.8.1-1.1.2-.3.1-.7.3-.9.5-.3.2-.5.5-.6.8-.2.3-.2.6-.3%201h5.5c0-.7-.2-1.3-.7-1.8zm-10.7%209.7h-3.6c-.2%200-.4-.2-.4-.4v-6.7c0-.4%200-.7-.1-1l-.3-.9c-.1-.3-.3-.5-.6-.6-.3-.1-.6-.2-1-.2s-.7.1-1%20.2c-.3.1-.5.4-.7.6-.2.3-.3.6-.4.9-.1.3-.1.7-.1%201.1v6.7c0%20.2-.2.4-.4.4h-3.6c-.2%200-.4-.2-.4-.4v-12.2c0-.2.2-.4.4-.4h2.8c.2%200%20.4.1.5.4l.3.8c.4-.4.9-.7%201.5-1%20.7-.3%201.5-.5%202.5-.5h.1c.8%200%201.6.2%202.1.5.6.3%201.1.7%201.5%201.2.4.5.6%201.1.8%201.7.2.6.2%201.3.2%201.9v7.6c.2.1.1.3-.1.3z%22%20%2F%3E%3C%2Fsvg%3E)](https://www.nerdwallet.com/) Credit cards ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) Credit cards[Explore more credit card resources](https://www.nerdwallet.com/credit-cards) Best credit cards [Best credit cards](https://www.nerdwallet.com/credit-cards/best)[Best credit card bonus offers](https://www.nerdwallet.com/credit-cards/best/bonus-offers)[Best balance transfer credit cards](https://www.nerdwallet.com/credit-cards/best/balance-transfer)[Best travel credit cards](https://www.nerdwallet.com/credit-cards/best/travel)[Best cash back credit cards](https://www.nerdwallet.com/credit-cards/best/cash-back)[Best 0% APR credit cards](https://www.nerdwallet.com/credit-cards/best/zero-percent)[Best rewards credit cards](https://www.nerdwallet.com/credit-cards/best/rewards)[Best airline credit cards](https://www.nerdwallet.com/credit-cards/best/airline)[Best college student credit cards](https://www.nerdwallet.com/credit-cards/best/college-student)[Best credit cards for groceries](https://www.nerdwallet.com/credit-cards/best/groceries) [Compare credit cards](https://www.nerdwallet.com/credit-cards/compare) Get a card recommendation [Travel rewards and perks](https://www.nerdwallet.com/recommend/CreditScore?primaryGoal=travel)[Earn cash back](https://www.nerdwallet.com/recommend/CreditScore?primaryGoal=cashback)[Pay down debt](https://www.nerdwallet.com/recommend/CreditScore?primaryGoal=debt)[Make a big purchase](https://www.nerdwallet.com/recommend/CreditScore?primaryGoal=bigpurchase)[Get your approval odds](https://www.nerdwallet.com/m/credit-cards/analyze/get-started)[Card recommendation quiz](https://www.nerdwallet.com/prequalify/credit-cards/apply/credit-card-purpose) [Credit card reviews](https://www.nerdwallet.com/credit-cards/reviews) Credit card calculators [Balance transfer savings calculator](https://www.nerdwallet.com/credit-cards/learn/balance-transfer-calculator)[Credit card interest calculator](https://www.nerdwallet.com/credit-cards/learn/credit-card-interest-calculator) Guides and resources [Get your free credit score](https://www.nerdwallet.com/p/free-credit-score)[Credit card basics](https://www.nerdwallet.com/credit-cards/hubs/credit-card-basics)[Applying for a credit card](https://www.nerdwallet.com/credit-cards/hubs/applying-for-a-credit-card)[Choosing a credit card](https://www.nerdwallet.com/credit-cards/hubs/choosing-a-credit-card)[Managing credit card debt](https://www.nerdwallet.com/credit-cards/hubs/managing-credit-card-debt)[Credit card resources](https://www.nerdwallet.com/credit-cards/hubs/credit-card-resources) [Explore more credit card resources](https://www.nerdwallet.com/credit-cards) Banking ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) Banking[Explore more banking resources](https://www.nerdwallet.com/banking) Savings accounts [Best high-yield savings accounts](https://www.nerdwallet.com/banking/best/high-yield-online-savings-accounts)[Best savings accounts](https://www.nerdwallet.com/banking/best/savings-accounts)[Savings account alternatives](https://www.nerdwallet.com/banking/hubs/savings-alternatives)[Savings calculator](https://www.nerdwallet.com/banking/calculators/savings-calculator)[Explore more savings accounts](https://www.nerdwallet.com/banking/hubs/savings-accounts) CDs [Best CD rates](https://www.nerdwallet.com/banking/best/cd-rates)[Best 3-month CD rates](https://www.nerdwallet.com/banking/best/3-month-cd-rates)[Best 6-month CD rates](https://www.nerdwallet.com/banking/best/6-month-cd-rates)[Best 1-year CD rates](https://www.nerdwallet.com/banking/best/1-year-cd-rates)[Best 3-year CD rates](https://www.nerdwallet.com/banking/best/3-year-cd-rates)[Best 5-year CD rates](https://www.nerdwallet.com/banking/best/5-year-cd-rates)[CD calculator](https://www.nerdwallet.com/banking/calculators/cd-calculator)[Explore more CDs](https://www.nerdwallet.com/banking/hubs/certificates-of-deposit) Checking accounts [Best checking accounts](https://www.nerdwallet.com/banking/best/checking-accounts)[Best free checking accounts](https://www.nerdwallet.com/banking/best/free-checking-accounts)[Best online checking accounts](https://www.nerdwallet.com/banking/best/online-checking-accounts)[Checking account alternatives](https://www.nerdwallet.com/banking/learn/big-bank-alternatives)[Explore more checking accounts](https://www.nerdwallet.com/banking/hubs/checking-accounts) NerdWallet's banking picks [Best bank bonuses and promotions](https://www.nerdwallet.com/banking/best/bank-bonuses-and-promotions)[Best online banks](https://www.nerdwallet.com/banking/best/online-banks)[Best money market accounts](https://www.nerdwallet.com/banking/best/money-market-accounts)[Best credit unions](https://www.nerdwallet.com/banking/best/credit-unions) [Bank reviews](https://www.nerdwallet.com/banking/reviews) Banking calculators [Compound interest calculator](https://www.nerdwallet.com/banking/calculators/compound-interest-calculator)[Emergency fund calculator](https://www.nerdwallet.com/banking/learn/emergency-fund-calculator) [Explore more banking resources](https://www.nerdwallet.com/banking) Home ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) Home[Explore more home resources](https://www.nerdwallet.com/mortgages) Mortgage rates [Today's mortgage rates](https://www.nerdwallet.com/mortgages/mortgage-rates)[30 year mortgage rates](https://www.nerdwallet.com/mortgages/mortgage-rates/30-year-fixed)[5-year ARM rates](https://www.nerdwallet.com/mortgages/mortgage-rates/5-1-arm)[FHA mortgage rates](https://www.nerdwallet.com/mortgages/mortgage-rates/fha)[VA mortgage rates](https://www.nerdwallet.com/mortgages/mortgage-rates/va)[Best mortgage lenders](https://www.nerdwallet.com/mortgages/best/mortgage-lenders) Best mortgage lenders [Best mortgage lenders](https://www.nerdwallet.com/mortgages/best/mortgage-lenders)[Best lenders for FHA loans](https://www.nerdwallet.com/mortgages/best/lenders-for-fha-loans)[Best lenders for low- and no-down-payment](https://www.nerdwallet.com/mortgages/best/no-and-low-down-payment-lenders)[Best VA mortgage lenders](https://www.nerdwallet.com/mortgages/best/va-mortgage-lenders) Refinance and HELOC [Today's refinance rates](https://www.nerdwallet.com/mortgages/refinance-rates)[Best refinance lenders](https://www.nerdwallet.com/mortgages/best/refinance-lenders)[30-year fixed refinance rates](https://www.nerdwallet.com/mortgages/refinance-rates)[15-year fixed refinance rates](https://www.nerdwallet.com/mortgages/mortgage-rates/15-year-fixed)[Best cash-out refinance lenders](https://www.nerdwallet.com/mortgages/best/cash-out-refinance-lenders)[Best HELOC Lenders](https://www.nerdwallet.com/mortgages/best/heloc-lenders) Buying a home [Compare top mortgage lenders](https://www.nerdwallet.com/mortgages/top-mortgage-lenders)[First-time homebuyers guide](https://www.nerdwallet.com/mortgages/hubs/first-time-homebuyers)[How much can I borrow mortgage calculator](https://www.nerdwallet.com/mortgages/calculators/how-much-can-i-borrow)[Mortgage lender reviews](https://www.nerdwallet.com/mortgages/reviews) Homeownership [Home improvement](https://www.nerdwallet.com/home-ownership)[Home value](https://www.nerdwallet.com/mortgages/learn/how-to-determine-home-value)[Home insurance](https://www.nerdwallet.com/insurance/homeowners)[Explore more homeownership resources](https://www.nerdwallet.com/home-ownership) Home calculators [Mortgage calculator](https://www.nerdwallet.com/mortgages/calculators/mortgage-calculator)[Down payment calculator](https://www.nerdwallet.com/mortgages/learn/how-much-down-payment-for-house)[How much house can I afford calculator](https://www.nerdwallet.com/mortgages/calculators/how-much-house-can-i-afford)[Closing costs calculator](https://www.nerdwallet.com/mortgages/calculators/closing-costs)[Cost of living calculator](https://www.nerdwallet.com/cost-of-living-calculator)[Mortgage amortization calculator](https://www.nerdwallet.com/mortgages/calculators/amortization)[Refinance calculator](https://www.nerdwallet.com/mortgages/calculators/refinance-calculator)[Rent vs buy calculator](https://www.nerdwallet.com/mortgages/calculators/rent-vs-buy-calculator) [First-time homebuyer's guide](https://www.nerdwallet.com/mortgages/hubs/first-time-homebuyers) [Today's mortgage news](https://www.nerdwallet.com/mortgages/news) [Explore more home resources](https://www.nerdwallet.com/mortgages) Loans ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) Loans Personal loans [Pre-qualify for a personal loan](https://www.nerdwallet.com/personal-loans/pre-qualify)[Compare top lenders](https://www.nerdwallet.com/personal-loans)[Personal loan reviews](https://www.nerdwallet.com/personal-loans/reviews)[Personal loan calculator](https://www.nerdwallet.com/personal-loans/calculators/loan-payment)[How to qualify](https://www.nerdwallet.com/personal-loans/learn/what-are-the-requirements-for-a-personal-loan)[How to consolidate credit card debt](https://www.nerdwallet.com/personal-loans/learn/how-to-consolidate-credit-card-debt)[Average personal loan interest rates](https://www.nerdwallet.com/personal-loans/learn/average-personal-loan-rates)[Explore more personal loan resources](https://www.nerdwallet.com/personal-loans/learn) NerdWallet's Picks[Best personal loans](https://www.nerdwallet.com/personal-loans)[Best debt consolidation loans](https://www.nerdwallet.com/personal-loans/best/debt-consolidation-loans)[Best loans for bad credit](https://www.nerdwallet.com/personal-loans/best/bad-credit-loans)[Best home improvement loans](https://www.nerdwallet.com/personal-loans/best/home-improvement-loans) Student loans [Paying for college](https://www.nerdwallet.com/student-loans/hubs/paying-for-college)[FAFSA and federal student aid](https://www.nerdwallet.com/student-loans/hubs/fafsa-and-federal-student-aid)[Taking out student loans](https://www.nerdwallet.com/student-loans/learn/how-to-get-student-loan)[Paying off student loans](https://www.nerdwallet.com/student-loans/learn/pay-off-student-loans-fast)[Student loan refinance](https://www.nerdwallet.com/student-loans/refinancing)[Student loan interest rates](https://www.nerdwallet.com/student-loans/learn/student-loan-interest-rates)[Student loan calculator](https://www.nerdwallet.com/student-loans/learn/student-loan-calculator)[Explore more student loan resources](https://www.nerdwallet.com/student-loans) NerdWallet's Picks[Best private student loans](https://www.nerdwallet.com/student-loans/best/private-student-loans)[Best graduate school loans](https://www.nerdwallet.com/student-loans/best/graduate-school-loans)[Best student refinance lenders](https://www.nerdwallet.com/student-loans/best/student-loan-refinance-companies)[Best parent loans for college](https://www.nerdwallet.com/student-loans/best/parent-loans-college) Auto loans [Best auto loans for good and bad credit](https://www.nerdwallet.com/auto-loans/best/auto-loans-for-good-fair-and-bad-credit)[Best auto loans refinance loans](https://www.nerdwallet.com/auto-loans/best/refinance-car-loan)[Best lease buyout loans](https://www.nerdwallet.com/auto-loans/best/lease-buyout-loans)[Explore more auto loan resources](https://www.nerdwallet.com/auto-loans) Auto loan calculators[Auto loan calculator](https://www.nerdwallet.com/auto-loans/calculators/auto-loan-calculator)[Auto loans refinance calculator](https://www.nerdwallet.com/auto-loans/calculators/auto-loan-refinance-calculator)[Total car cost calculator](https://www.nerdwallet.com/auto-loans/learn/total-cost-owning-car) Insurance ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) Insurance[Explore more insurance resources](https://www.nerdwallet.com/insurance) Auto insurance [Compare car insurance quotes](https://www.nerdwallet.com/insurance/auto/car-insurance)[Best car insurance companies](https://www.nerdwallet.com/insurance/auto/best-car-insurance-companies)[Cheapest car insurance companies](https://www.nerdwallet.com/insurance/auto/cheapest-car-insurance)[Car insurance reviews](https://www.nerdwallet.com/insurance/auto/hubs/car-insurance-reviews)[Auto insurance calculator](https://www.nerdwallet.com/insurance/auto/car-insurance-calculator)[Explore more auto insurance resources](https://www.nerdwallet.com/insurance/auto) Cheapest car insurance by state[California car insurance](https://www.nerdwallet.com/insurance/auto/cheap-car-insurance-california)[Texas car insurance](https://www.nerdwallet.com/insurance/auto/cheap-car-insurance-texas)[New York car insurance](https://www.nerdwallet.com/insurance/auto/cheap-car-insurance-new-york)[Georgia car insurance](https://www.nerdwallet.com/insurance/auto/cheap-car-insurance-georgia)[Michigan car insurance](https://www.nerdwallet.com/insurance/auto/cheap-car-insurance-michigan)[Washington car insurance](https://www.nerdwallet.com/insurance/auto/cheap-car-insurance-washington) Life insurance [Compare life insurance quotes](https://www.nerdwallet.com/insurance/life/life-insurance-quotes)[Best life insurance companies](https://www.nerdwallet.com/insurance/life/best-life-insurance-companies)[Choosing a life insurance policy](https://www.nerdwallet.com/insurance/life/life-insurance-policies)[Life insurance reviews](https://www.nerdwallet.com/insurance/life/hubs/life-insurance-reviews)[Life insurance calculator](https://www.nerdwallet.com/insurance/life/learn/how-much-life-insurance-do-i-need)[Explore more life insurance resources](https://www.nerdwallet.com/insurance/life) NerdWallet's Picks[Best term life insurance](https://www.nerdwallet.com/insurance/life/best-term-life-insurance)[Best whole life insurance](https://www.nerdwallet.com/insurance/life/best-whole-life-insurance)[Best life insurance for seniors](https://www.nerdwallet.com/insurance/life/best-senior-life-insurance)[Best burial insurance](https://www.nerdwallet.com/insurance/life/best-burial-insurance)[Best instant life insurance](https://www.nerdwallet.com/insurance/life/best-instant-life-insurance) Home insurance [Compare home insurance quotes](https://www.nerdwallet.com/insurance/homeowners/home-insurance-quotes)[Best home insurance companies](https://www.nerdwallet.com/insurance/homeowners/best-home-insurance-companies)[Home insurance reviews](https://www.nerdwallet.com/insurance/homeowners/hubs/home-insurance-reviews)[Home insurance calculator](https://www.nerdwallet.com/insurance/homeowners/home-insurance-calculator)[Home insurance costs](https://www.nerdwallet.com/insurance/homeowners/learn/average-homeowners-insurance-cost)[Explore more home insurance resources](https://www.nerdwallet.com/insurance/homeowners) Home insurance by state[Best home insurance in New York](https://www.nerdwallet.com/insurance/homeowners/new-york-home-insurance)[Best home insurance in Arizona](https://www.nerdwallet.com/insurance/homeowners/arizona-home-insurance)[Best home insurance in Massachusetts](https://www.nerdwallet.com/insurance/homeowners/massachusetts-home-insurance)[Best home insurance in Virginia](https://www.nerdwallet.com/insurance/homeowners/virginia-home-insurance)[Best home insurance in New Hampshire](https://www.nerdwallet.com/insurance/homeowners/new-hampshire-home-insurance) Pet insurance [Best pet insurance](https://www.nerdwallet.com/insurance/pet/best-pet-insurance-companies)[Cheapest pet insurance](https://www.nerdwallet.com/insurance/pet/cheap-pet-insurance)[What pet insurance covers](https://www.nerdwallet.com/insurance/pet/learn/pet-insurance-coverage)[Pet insurance costs](https://www.nerdwallet.com/insurance/pet/learn/cost-of-pet-insurance)[Explore more pet insurance resources](https://www.nerdwallet.com/insurance/pet) Medicare [How Medicare works](https://www.nerdwallet.com/insurance/medicare/learn/what-is-medicare)[Medicare eligibility](https://www.nerdwallet.com/insurance/medicare/learn/medicare-eligibility)[How to sign up for Medicare](https://www.nerdwallet.com/insurance/medicare/learn/how-do-i-sign-up-for-medicare)[Medicare costs](https://www.nerdwallet.com/insurance/medicare/learn/medicare-premiums-and-deductibles)[What's covered under Medicare](https://www.nerdwallet.com/insurance/medicare/learn/what-is-medicare)[Explore more Medicare resources](https://www.nerdwallet.com/insurance/medicare) NerdWallet's Picks[Best Medicare Advantage plans](https://www.nerdwallet.com/insurance/medicare/best-medicare-advantage-plans)[Best Medigap companies](https://www.nerdwallet.com/insurance/medicare/best-medigap-insurance-companies)[Best Medigap Plan G companies](https://www.nerdwallet.com/insurance/medicare/best-medigap-plan-g-companies)[Best Medicare Part D plans](https://www.nerdwallet.com/insurance/medicare/best-medicare-part-d-plans)[Best Medicare dental plans](https://www.nerdwallet.com/insurance/medicare/best-medicare-dental-plans) Renters insurance [Best renters insurance](https://www.nerdwallet.com/insurance/renters/best-renters-insurance-companies)[Cheapest renters insurance](https://www.nerdwallet.com/insurance/renters/cheap-renters-insurance)[Explore more renters insurance resources](https://www.nerdwallet.com/insurance/renters) [Explore more insurance resources](https://www.nerdwallet.com/insurance) Personal finance ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) Personal finance[Explore more resources](https://www.nerdwallet.com/finance) Tracking credit [Get your free credit score](https://www.nerdwallet.com/p/free-credit-score)[Your credit report](https://www.nerdwallet.com/finance/learn/how-to-use-annualcreditreport-com)[Understanding your credit score](https://www.nerdwallet.com/finance/hubs/the-ultimate-credit-score-guide)[Using your credit](https://www.nerdwallet.com/finance/learn/how-is-credit-utilization-ratio-calculated)[Improving your credit](https://www.nerdwallet.com/finance/learn/how-to-build-credit)[Protecting your credit](https://www.nerdwallet.com/finance/learn/how-to-freeze-credit) Managing money [Saving money](https://www.nerdwallet.com/finance/learn/how-to-save-money)[Handling bills and expenses](https://www.nerdwallet.com/finance/learn/tracking-monthly-expenses)[Shopping](https://www.nerdwallet.com/finance/hubs/shopping)[Financial health](https://www.nerdwallet.com/finance/learn/financial-health)[Savings goal calculator](https://www.nerdwallet.com/finance/learn/savings-goal-calculator)[Net worth calculator](https://www.nerdwallet.com/investing/calculators/net-worth-calculator)[Explore more money management](https://www.nerdwallet.com/finance/hubs/money-management) NerdWallet's budgeting basics[Budgeting](https://www.nerdwallet.com/finance/learn/how-to-budget)[Free budget worksheet](https://www.nerdwallet.com/finance/learn/budget-worksheet)[How to budget](https://www.nerdwallet.com/finance/learn/how-to-budget)[The best budget apps](https://www.nerdwallet.com/finance/learn/best-budget-apps)[Budget calculator](https://www.nerdwallet.com/finance/calculators/nerdwallet-budget-calculator)[Cost of living calculator](https://www.nerdwallet.com/cost-of-living-calculator) Making money [Gig work](https://www.nerdwallet.com/finance/learn/what-is-the-gig-economy)[Making money online](https://www.nerdwallet.com/finance/learn/game-apps-pay-real-money)[Explore more money making resources](https://www.nerdwallet.com/finance/hubs/making-money) Managing debt [Paying debt](https://www.nerdwallet.com/personal-loans/learn/pay-off-debt)[Dealing with debt collection](https://www.nerdwallet.com/finance/learn/how-to-deal-with-debt-collectors)[Debt relief](https://www.nerdwallet.com/personal-loans/learn/find-debt-relief)[Explore more debt management resources](https://www.nerdwallet.com/finance/hubs/paying-off-debt) Travel [Best travel credit cards](https://www.nerdwallet.com/credit-cards/best/travel)[Travel insurance](https://www.nerdwallet.com/travel/hubs/travel-insurance)[Explore more travel resources](https://www.nerdwallet.com/travel) [Explore more resources](https://www.nerdwallet.com/finance) Investing ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) Investing[Explore more investing resources](https://www.nerdwallet.com/investing) Best investment accounts [Best brokerage accounts](https://www.nerdwallet.com/investing/best/online-brokers-for-stock-trading)[Best robo-advisors](https://www.nerdwallet.com/investing/best/robo-advisors)[Best trading platforms](https://www.nerdwallet.com/investing/best/online-brokers-platforms-for-day-trading)[Best online brokers for beginners](https://www.nerdwallet.com/investing/best/online-brokers-for-beginners)[Best Roth IRA accounts](https://www.nerdwallet.com/retirement/best/roth-ira-accounts)[Best IRA accounts](https://www.nerdwallet.com/retirement/best/ira-accounts)[Best investing apps](https://www.nerdwallet.com/investing/best/investment-apps)[Explore more investment accounts](https://www.nerdwallet.com/investing/reviews) Investments [Best investments right now](https://www.nerdwallet.com/investing/learn/the-best-investments-right-now)[Stocks](https://www.nerdwallet.com/investing/hubs/stocks)[Funds](https://www.nerdwallet.com/investing/learn/how-to-invest-in-mutual-funds)[Bonds](https://www.nerdwallet.com/investing/hubs/bonds)[Cryptocurrency](https://www.nerdwallet.com/investing/hubs/cryptocurrency)[Real estate and alternative investments](https://www.nerdwallet.com/investing/hubs/real-estate-alternative-investments) Retirement [Roth IRA basics](https://www.nerdwallet.com/retirement/learn/what-is-a-roth-ira)[IRA basics](https://www.nerdwallet.com/retirement/learn/learn-about-ira-accounts)[401(k)s](https://www.nerdwallet.com/retirement/learn/what-is-a-401k)[Self-employed retirement plans](https://www.nerdwallet.com/retirement/learn/retirement-plans-self-employed)[Social Security](https://www.nerdwallet.com/investing/hubs/social-security)[Explore more retirement resources](https://www.nerdwallet.com/retirement) Investing and retirement calculators [Retirement calculator](https://www.nerdwallet.com/investing/calculators/retirement-calculator)[401(k) calculator](https://www.nerdwallet.com/retirement/calculators/401k-calculator)[Roth IRA calculator](https://www.nerdwallet.com/investing/calculators/roth-ira-calculator)[Investment return calculator](https://www.nerdwallet.com/investing/calculators/investment-calculator)[Social Security benefits calculator](https://www.nerdwallet.com/investing/calculators/social-security-calculator)[Inflation calculator](https://www.nerdwallet.com/finance/calculators/inflation-calculator) Financial advisors [Best financial advisors](https://www.nerdwallet.com/financial-advisors/best)[How to choose a financial advisor](https://www.nerdwallet.com/financial-advisors/learn/how-to-choose-a-financial-advisor)[Financial advisor fees](https://www.nerdwallet.com/financial-advisors/learn/how-much-does-a-financial-advisor-cost) [Explore more investing resources](https://www.nerdwallet.com/investing) Small business ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) Small business[Explore more small-business resources](https://www.nerdwallet.com/business) Funding your business [Small-business loans](https://www.nerdwallet.com/business/loans/best)[SBA loans](https://www.nerdwallet.com/business/loans/learn/sba-loans)[Business lines of credit](https://www.nerdwallet.com/business/loans/best/business-line-of-credit)[Business grants](https://www.nerdwallet.com/business/loans/learn/small-business-grants)[Startup business loans](https://www.nerdwallet.com/business/loans/learn/startup-business-loans) Resources and Tools[Business loan rates](https://www.nerdwallet.com/business/loans/learn/rates-fees)[SBA loan rates](https://www.nerdwallet.com/business/loans/learn/sba-loan-rates)[Business loan calculator](https://www.nerdwallet.com/business/loans/calculators/business-loan)[SBA loan calculator](https://www.nerdwallet.com/business/loans/calculators/sba-loan) Managing business finances [Business bank accounts](https://www.nerdwallet.com/business/banking/best/types)[Business credit cards](https://www.nerdwallet.com/business/credit-cards/best)[Accounting software](https://www.nerdwallet.com/business/software/best/accounting-software)[Business taxes](https://www.nerdwallet.com/business/taxes) Explore business credit cards[Best 0% APR business credit cards](https://www.nerdwallet.com/business/credit-cards/best/zero-percent-apr)[Best cash-back business credit cards](https://www.nerdwallet.com/business/credit-cards/best/cash-back)[Best travel business credit cards](https://www.nerdwallet.com/business/credit-cards/best/travel)[Best startup business credit cards](https://www.nerdwallet.com/business/credit-cards/best/startups)[Best LLC business credit cards](https://www.nerdwallet.com/business/credit-cards/best/llc)[Best business credit cards for gas](https://www.nerdwallet.com/business/credit-cards/best/gas) Starting a business [How to start a business](https://www.nerdwallet.com/business/learn/how-to-start-a-business)[Business ideas](https://www.nerdwallet.com/business/hubs/business-ideas)[Writing a business plan](https://www.nerdwallet.com/business/learn/how-to-write-a-business-plan)[Entrepreneurship](https://www.nerdwallet.com/business/hubs/entrepreneurship) Running your business [Payment processing companies](https://www.nerdwallet.com/business/software/best/payment-processing-companies)[Business insurance](https://www.nerdwallet.com/business/insurance/best)[Business legal](https://www.nerdwallet.com/business/legal) [Explore more small-business resources](https://www.nerdwallet.com/business) Taxes ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) Taxes[Explore more tax resources](https://www.nerdwallet.com/taxes) Tax brackets and rates [Tax brackets](https://www.nerdwallet.com/taxes/learn/federal-income-tax-brackets)[Capital gains tax rates](https://www.nerdwallet.com/taxes/learn/capital-gains-tax-rates)[State tax rates](https://www.nerdwallet.com/taxes/learn/state-income-tax-rates) Tax calculators [Federal income tax calculator](https://www.nerdwallet.com/taxes/calculators/tax-calculator)[Capital gains tax calculator](https://www.nerdwallet.com/taxes/calculators/capital-gains-tax-calculator) Tax preparation and filing [Tax withholding](https://www.nerdwallet.com/taxes/learn/how-to-fill-out-form-w4-guide)[Tax credits and deductions](https://www.nerdwallet.com/taxes/learn/tax-deductions-tax-breaks)[Choosing a filing status](https://www.nerdwallet.com/taxes/learn/how-to-choose-tax-filing-status)[Free tax filing](https://www.nerdwallet.com/taxes/learn/free-tax-filing-how-to-file-taxes-for-free)[Best tax software](https://www.nerdwallet.com/taxes/reviews) Solving tax issues [Tax extensions](https://www.nerdwallet.com/taxes/learn/how-to-get-tax-extension-online)[Filing past-due returns](https://www.nerdwallet.com/taxes/learn/back-taxes-past-due-returns)[IRS payment plans](https://www.nerdwallet.com/taxes/learn/how-to-set-up-irs-payment-plan)[Tax debt relief and resolution](https://www.nerdwallet.com/taxes/learn/tax-relief-back-taxes) [Explore more tax resources](https://www.nerdwallet.com/taxes) ![Search](data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2220%22%20height%3D%2220%22%20viewBox%3D%221518%20257.8%20100%20100%22%20%3E%3Cpath%20fill%3D%22currentColor%22%20d%3D%22M1591.5%20324.2c5.8-7.5%208.7-15.9%208.7-25.3%200-5.5-1-10.7-3.1-15.8-2.1-5-5.1-9.5-9-13.3-3.9-3.9-8.3-6.8-13.3-8.9s-10.3-3.1-15.8-3.1-10.7%201-15.7%203.1-9.5%205-13.4%208.9c-3.9%203.9-6.8%208.3-8.9%2013.3-2.1%205-3.1%2010.3-3.1%2015.8s1%2010.7%203.1%2015.8c2.1%205%205%209.5%208.9%2013.3%203.9%203.9%208.4%206.8%2013.4%208.9s10.2%203.1%2015.7%203.1c9.4%200%2017.9-2.9%2025.3-8.7l26.5%2026.5%207.1-7.1-26.4-26.5zm-63.5-25.3c0-8.6%203-15.9%209.1-22%206-6%2013.4-9.1%2022-9.1s15.9%203%2022%209.1c6%206.1%209.1%2013.5%209.1%2022%200%208.6-3%2015.9-9.1%2022s-13.4%209.1-22%209.1-15.9-3-22-9.1-9.1-13.4-9.1-22z%22%20%2F%3E%3C%2Fsvg%3E) ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) [Sign In](https://www.nerdwallet.com/api/nts/v1/login?initialScreen=signin&redirectTo=https%3A%2F%2Fwww.nerdwallet.com%2Finvesting%2Flearn%2Fhow-to-invest-in-stocks)[JoinSign Up](https://www.nerdwallet.com/api/nts/v1/login?initialScreen=signup&redirectTo=https%3A%2F%2Fwww.nerdwallet.com%2Finvesting%2Flearn%2Fhow-to-invest-in-stocks) ![Notifications](data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2220%22%20height%3D%2220%22%20viewBox%3D%220%200%2016%2016%22%20aria-hidden%3D%22true%22%20fill%3D%22currentcolor%22%20focusable%3D%22false%22%20%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M11.55%207.335c0%201.982.704%202.685%201.145%203.125.037.037.072.071.104.105a.616.616%200%2001.201.438c.004.354-.29.666-.737.666H9.33c0%20.748-.586%201.33-1.32%201.33-.754%200-1.34-.582-1.34-1.33H3.714c-.446%200-.714-.312-.714-.667%200-.145.045-.312.179-.437l.103-.105c.442-.44%201.147-1.143%201.147-3.125%200-1.605%201.205-2.897%202.857-3.23v-.438C7.286%203.313%207.598%203%208%203c.38%200%20.692.313.692.667v.438c1.652.333%202.857%201.625%202.857%203.23zm-7.054%203.334c.468-.563%201.017-1.542%201.01-3.313v-.021C5.506%206.063%206.616%205%208%205c1.362%200%202.5%201.062%202.5%202.334l-.002.02c0%201.772.515%202.751.984%203.314H4.496z%22%20%3E%3C%2Fpath%3E%3C%2Fsvg%3E) ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) [![](data:image/svg+xml;base64,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)My NerdWallet](https://www.nerdwallet.com/home/dashboard/home) Welcome Back, ![](data:image/svg+xml;base64,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) ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) [Investing](https://www.nerdwallet.com/investing) [Learn](https://www.nerdwallet.com/investing/learn) How to Invest in Stocks Advertiser disclosure ### You're our first priority. Every time. NerdWallet, Inc. is an independent publisher and comparison service, not an investment advisor. Its articles, interactive tools and other content are provided to you for free, as self-help tools and for informational purposes only. They are not intended to provide investment advice. NerdWallet does not and cannot guarantee the accuracy or applicability of any information in regard to your individual circumstances. Examples are hypothetical, and we encourage you to seek personalized advice from qualified professionals regarding specific investment issues. Our estimates are based on past market performance, and past performance is not a guarantee of future performance. We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. [Here is a list of our partners](https://www.nerdwallet.com/p/our-partners). # How to Invest in Stocks Learn how to invest in stocks, including how to select a brokerage account and research stock market investments. ![](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2017/02/GettyImages-617563676-1920x1152.jpg) Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of [our partners](https://www.nerdwallet.com/p/our-partners) and [here's how we make money](https://www.nerdwallet.com/p/advertiser-disclosure). * The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments. Updated Mar 24, 2026 · 6 min read Fact Checked How is this page expert verified? NerdWallet's content is fact-checked for accuracy, timeliness and relevance. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible. [More on our editorial rigor](https://www.nerdwallet.com/l/nerdwallet-editorial-guidelines) [![Chris Davis](https://www.nerdwallet.com/tachyon/2020/03/Chris-Davis.jpg?resize=160%2C160)](https://www.nerdwallet.com/author/chris-davis) Written by Chris Davis [![Chris Davis](https://www.nerdwallet.com/tachyon/2020/03/Chris-Davis.jpg?resize=160%2C160)](https://www.nerdwallet.com/author/chris-davis) [Chris Davis](https://www.nerdwallet.com/author/chris-davis) Managing Editor * 12 years of experience Expertise - Brokerage accounts - stock market - cryptocurrency Chris Davis is a Managing Editor on the Investing team. As a writer, he covered the stock market, investing strategies and investment accounts, and as a spokesperson, he appeared on NBC Bay Area and was quoted in Forbes, Apartment Therapy, Martha Stewart and Lifewire, among others. His work has appeared in The Associated Press, The Washington Post, MSN, Yahoo Finance, MarketWatch, Newsday and TheStreet. Published in ![The Associated Press](https://cdns3.nerdwallet.com/lending/publication-logos/TheAssociatedPress.webp)![The Washington Post](https://cdns3.nerdwallet.com/lending/publication-logos/TheWashingtonPost.webp)![MarketWatch](https://cdns3.nerdwallet.com/lending/publication-logos/Marketwatch.webp)![Newsday](https://cdns3.nerdwallet.com/lending/publication-logos/Newsday.webp) Managing Editor \+ more [![Michael Randall](https://www.nerdwallet.com/tachyon/2022/04/2022-HeadShot.jpg?resize=160%2C160)](https://www.nerdwallet.com/reviewer/michael-randall) Reviewed by Michael Randall [![Michael Randall](https://www.nerdwallet.com/tachyon/2022/04/2022-HeadShot.jpg?resize=160%2C160)](https://www.nerdwallet.com/reviewer/michael-randall) [Michael Randall](https://www.nerdwallet.com/reviewer/michael-randall) Certified Financial Planner® * Michael Randall, CFA, CFP®, EA is the Owner and Financial Planner at Oak Summit Wealth Management, a fee-only fiduciary firm based in San Diego, California. He brings more than a decade of experience helping clients with comprehensive financial planning across investments, taxes, and estate strategies. Michael earned his degree in economics from the University of California, Berkeley, where he also volunteers as an alumni ambassador. * At NerdWallet, our content goes through a rigorous [editorial review process.](https://www.nerdwallet.com/l/nerdwallet-editorial-guidelines) We have such confidence in our accurate and useful content that we let outside experts inspect our work. Certified Financial Planner® \+ more [![Erica Corbin](https://www.nerdwallet.com/tachyon/2021/09/Headshot2.png?resize=160%2C160)](https://www.nerdwallet.com/author/erica-corbin) Edited by Erica Corbin [![Erica Corbin](https://www.nerdwallet.com/tachyon/2021/09/Headshot2.png?resize=160%2C160)](https://www.nerdwallet.com/author/erica-corbin) [Erica Corbin](https://www.nerdwallet.com/author/erica-corbin) Assigning Editor * Erica Corbin is a former assigning editor at NerdWallet. Erica joined NerdWallet in 2020 as an assistant assigning editor at large. In 2023, she was promoted to assigning editor and helped lead the credit cards vertical at NerdWallet Canada. She previously wrote and edited content at companies such as GOBankingRates and Nasdaq. Her work has been syndicated to USA Today, Yahoo Finance, MSN and more. Assigning Editor \+ more [![Sam Taube](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2022/05/IMG_8033-e1775676093506-160x160.jpg)](https://www.nerdwallet.com/author/sam-taube) Co-written by Sam Taube [![Sam Taube](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2022/05/IMG_8033-e1775676093506-160x160.jpg)](https://www.nerdwallet.com/author/sam-taube) [Sam Taube](https://www.nerdwallet.com/author/sam-taube) Lead Writer * 9 years of experience Expertise - Stocks - ETFs - economic news Sam Taube writes about investing for NerdWallet. He has covered investing and financial news since earning his economics degree from the University of Maryland in 2016. Sam has previously written for Investopedia, Benzinga, Seeking Alpha, Wealth Daily and Investment U, and has worked as an editor for Investment U, Wealth Daily and Haven Investment Letter. He is based in Brooklyn, New York. Published in ![MarketWatch](https://cdns3.nerdwallet.com/lending/publication-logos/Marketwatch.webp)![Nasdaq.com](https://cdns3.nerdwallet.com/lending/publication-logos/NASDAQ.webp) Lead Writer \+ more SOME CARD INFO MAY BE OUTDATED This page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer. When you invest in a stock, you’re hoping the company grows and performs well over time. That's how you end up making money. One of the best ways for beginners to learn is to open an online investment account and buy stocks through it. You don't need a lot of money to start. Many brokerages allow you to open an investing account with \$0, though you'll need some money to actually start investing. Even small amounts — \$10 or \$20 — will do. Some brokers also offer [paper trading](https://www.nerdwallet.com/investing/best/brokers-paper-trading), which lets you learn how to buy and sell with stock market simulators before you invest any real money. ## How to invest in stocks To invest in stocks, open an online brokerage account, add money to the account, and purchase stocks or stock-based funds from there. While these steps cover DIY investing, you can also invest in stocks through a financial advisor or a robo-advisor (more on that later). ### Step 1. Choose a broker To invest in stocks, you'll first need to figure out which broker you want to open an account with. (Not sure how to do this? Read our guide on [how to open a brokerage account](https://www.nerdwallet.com/investing/learn/what-is-how-to-open-brokerage-account).) Some brokers, like Fidelity, are famous for their many years in business and 24/7 customer support. Others, like Robinhood, are known for their easy-to-use platforms and apps. You'll want to evaluate brokers based on factors like costs, investment selection, investor research, tools and customer service access. Maybe you'll want to open a brokerage account where you already have a bank account, which can help you see all your finances in one place. » [Here's our list of the best online stock brokers](https://www.nerdwallet.com/investing/best/online-brokers-for-stock-trading) \| Brokerage firms \| \| \|---\|---\| \| [![Charles Schwab](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/investing/logos/CharlesTrial.png)](https://www.nerdwallet.com/redirect/61fabd58-44eb-11e8-9c02-fb51e6eec6b5?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=product_image&finish_type=external_application&impression_position=0&impression_section=mini_product_card) [NerdWallet rating](https://www.nerdwallet.com/investing/reviews/schwab-brokerage "Read review") NerdWallet's ratings are determined by our editorial team. The scoring formula for online brokers and robo-advisors takes into account over 15 factors, including account fees and minimums, investment choices, customer support and mobile app capabilities. [Learn more](https://www.nerdwallet.com/redirect/61fabd58-44eb-11e8-9c02-fb51e6eec6b5?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=apply_now_button&finish_type=external_application&impression_position=0&impression_section=mini_product_card) on Charles Schwab's website \| [![E\TRADE](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/investing/logos/etrade_ms.png)](https://www.nerdwallet.com/redirect/61f673ba-44eb-11e8-9c02-9b9860598c1e?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=product_image&finish_type=external_application&impression_position=0&impression_section=mini_product_card) [NerdWallet rating](https://www.nerdwallet.com/investing/reviews/etrade "Read review") NerdWallet's ratings are determined by our editorial team. The scoring formula for online brokers and robo-advisors takes into account over 15 factors, including account fees and minimums, investment choices, customer support and mobile app capabilities. [Learn more](https://www.nerdwallet.com/redirect/61f673ba-44eb-11e8-9c02-9b9860598c1e?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=apply_now_button&finish_type=external_application&impression_position=0&impression_section=mini_product_card) on E\TRADE's website \| \| [![Vanguard](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/investing/logos/vanglogo.png)](https://www.nerdwallet.com/redirect/61f78eb2-44eb-11e8-9c02-eb58816e8aeb?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=product_image&finish_type=external_application&impression_position=0&impression_section=mini_product_card) [NerdWallet rating](https://www.nerdwallet.com/investing/reviews/vanguard "Read review") NerdWallet's ratings are determined by our editorial team. The scoring formula for online brokers and robo-advisors takes into account over 15 factors, including account fees and minimums, investment choices, customer support and mobile app capabilities. [Learn more](https://www.nerdwallet.com/redirect/61f78eb2-44eb-11e8-9c02-eb58816e8aeb?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=apply_now_button&finish_type=external_application&impression_position=0&impression_section=mini_product_card) on Vanguard's website \| [![Fidelity](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/investing/logos/FidNewLogo.png)](https://www.nerdwallet.com/redirect/61ed8d72-44eb-11e8-9c02-53658283ffc3?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=product_image&finish_type=external_application&impression_position=0&impression_section=mini_product_card) [NerdWallet rating](https://www.nerdwallet.com/investing/reviews/fidelity "Read review") NerdWallet's ratings are determined by our editorial team. The scoring formula for online brokers and robo-advisors takes into account over 15 factors, including account fees and minimums, investment choices, customer support and mobile app capabilities. [Learn more](https://www.nerdwallet.com/redirect/61ed8d72-44eb-11e8-9c02-53658283ffc3?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=apply_now_button&finish_type=external_application&impression_position=0&impression_section=mini_product_card) on Fidelity's website \| ### Step 2. Pick a type of investment account There are several types of investment accounts, and it's a good idea to figure out which account is right for you. For example, a [Roth IRA](https://www.nerdwallet.com/retirement/learn/what-is-a-roth-ira) offers significant tax benefits, whereas a standard brokerage account does not. You'll need to provide some personal information, including your Social Security number, and it will probably take about 15 minutes to open the account. With some brokerages, it can take a few days to connect your bank account, so you may have to wait before you can start buying investments. Keep in mind, an investment account is just an account — it's not an investment. You have to add money to it and then purchase investments from there. Good to know: If you have a 401(k) or other retirement plan at work, you may already be invested in stocks. These plans often offer a curated selection of stock and bond mutual funds. If your employer matches your contributions to that plan, you should invest enough to earn the full match before investing in stocks elsewhere. ### Step 3. Choose individual stocks or a stock fund Investing in the stock market doesn't have to be complicated. For most people, it means choosing between these two investment types: Stock mutual funds [Mutual funds](https://www.nerdwallet.com/investing/learn/how-to-invest-in-mutual-funds) let you purchase small pieces of many different stocks in a single transaction. Index funds and exchange-traded funds (ETFs) are two kinds of mutual funds that track an index; for example, an S\&P 500 fund replicates that index by buying the stock of the companies in it. When you invest in a fund, you also own small pieces of each of those companies. You can put several funds together to build a diversified portfolio. Note that stock mutual funds are also sometimes called equity mutual funds. Individual stocks If you’re after a specific company, you can buy a single share or a few shares as a way to dip your toe into the stock-trading waters. Building a diversified portfolio out of many individual stocks is possible, but it takes a significant investment and research. If you go this route, remember that individual stocks will have ups and downs. If you research a company and choose to invest in it, think about why you picked that company in the first place if jitters start to set in on a down day. What makes sense for most investors? The upside of stock mutual funds is that they are inherently diversified, which reduces your risk. For the vast majority of investors — particularly those who are investing their retirement savings — a portfolio made up of mostly mutual funds is the clear choice. But mutual funds are unlikely to rise in meteoric fashion as some individual stocks might. The upside of individual stocks is that a wise pick can pay off handsomely, but the odds that any individual stock will make you rich are exceedingly slim. However, it doesn't have to be all or nothing If you decide you want a good portion of your portfolio to be invested in mutual funds, that doesn't mean you have to avoid individual stocks altogether. If you want to test your luck at being an early investor in the next Google, a good compromise could be dedicating a small portion of your portfolio — say, 5% — to individual stock investing. » [Learn how to research stocks](https://www.nerdwallet.com/investing/learn/how-to-research-stocks) ### Step 4. Set a budget New investors will want to think about two things in this step of the process: How much money do I need to start investing in stocks? The amount of money you need to buy a single stock depends on the share price. Share prices can range from just a few dollars to a few thousand dollars. Some brokerages allow you to invest with fractional shares. Simply put, that means you can choose a dollar amount to invest and own part of a share. If you want mutual funds and have a small budget, [investing in ETFs](https://www.nerdwallet.com/investing/learn/how-to-invest-in-etf-exchange-traded-fund) may be your best bet. Mutual funds often have minimums of \$1,000 or more, but ETFs trade like a stock, which means you purchase them for a share price — in some cases, less than \$100. How much money should I invest in stocks? If you’re investing through funds, you can allocate a fairly large portion of your portfolio toward stock funds, especially if you have a long time horizon. A 30-year-old investing for retirement might have 80% of their portfolio in stock funds, with the rest in bond funds (and perhaps a small portion in individual stocks). ### Step 5. Focus on investing for the long term Stock market investments have proven to be one of the best ways to grow long-term wealth. Over several decades, the average stock market return has been about 10% per year. However, that’s just an average across the entire market. Some years will be up, some will be down, and individual stocks will vary in their returns. For long-term investors, the stock market is a good investment no matter what’s happening day-to-day or year-to-year; they’re looking for that long-term average. The best thing to do after you start investing in stocks or mutual funds may be the hardest: Don’t look at them. Unless you’re trying to beat the odds and succeed at day trading, it’s good to avoid the habit of checking how your stocks are doing every day. Tip: When we say "long-term investing," we generally mean at least five years. That usually gives your portfolio time to ride out any market downturns. If you have a goal that's closer, check out our list of the [best short-term investments](https://www.nerdwallet.com/investing/learn/where-to-put-short-term-savings). ### Step 6. Manage your stock portfolio While fretting over daily fluctuations won’t do much for your portfolio’s health — or your own — there will, of course, be times when you’ll need to check in on your investments. If you follow the steps above to buy mutual funds and individual stocks over time, you’ll want to revisit your portfolio a few times a year to make sure it’s still in line with your investment goals. A few things to consider: If you’re approaching retirement, you may want to move some of your stock investments over to more conservative fixed-income investments. If your portfolio is heavily weighted in one sector or industry, consider buying stocks or funds in another sector to diversify. Pay attention to geographic diversification, too. Vanguard recommends that international stocks make up as much as 40% of the stocks in your portfolio. You can purchase international stock mutual funds to get this exposure \[1\] Vanguard. [International Investments: Stocks, Bonds, & ETFs.](https://investor.vanguard.com/investor-resources-education/understanding-investment-types/why-invest-internationally) Accessed Mar 24, 2026. [View all sources](https://www.nerdwallet.com/investing/learn/how-to-invest-in-stocks#citation-list) . If DIY investing feels like too much work ... You may be a good candidate for a robo-advisor, a service that invests your money for you for a small fee. Many of the major brokerage firms and some independent companies offer these services. Similar to shopping for a broker, there are pros and cons to each. Some robo-advisors have very low fees, while others let you talk with a financial advisor if you need extra support or more personalized guidance. It's a good idea to compare robo-advisors to see which ones offer the services you need. Most robo-advisors charge about 0.25% of your account balance. » [View our list of the best robo-advisors](https://www.nerdwallet.com/investing/best/robo-advisors) Frequently Asked Questions Which stocks are the best investments for beginners? Which stocks are the best investments for beginners? The process of picking stocks can be overwhelming, especially for beginners. After all, there are thousands of stocks listed on the major U.S. exchanges. Stock investing is filled with intricate strategies and approaches, yet some of the most successful investors have done little more than stick with stock market basics. That generally means using funds for the bulk of your portfolio — Warren Buffett has famously said a low-cost S\&P 500 ETF is the best investment most Americans can make — and choosing individual stocks only if you believe in the company’s potential for long-term growth. The S\&P 500 is an index consisting of about 500 of the largest publicly traded companies in the U.S. Over the last 50 years, its average annual return has been more or less the same as that of the market as a whole — about 10%. » Learn more: [How to invest in the S\&P 500](https://www.nerdwallet.com/investing/learn/how-to-invest-in-sp500) How many stocks should I invest in? How many stocks should I invest in? That really depends on your goals and your risk tolerance. It can be risky to invest a large portion of your wealth in just a few stocks. Diversification — investing in a large number of companies across many industries — is important. If you don't have the time or money to buy dozens of individual stocks, look into low-cost index funds, which invest in hundreds of individual stocks for you. Is now a good time to invest in stocks? Is now a good time to invest in stocks? The truth is, you’ll never know if it’s exactly the right time to invest in stocks. However, if you’re investing for the long term (say, more than five years), then the time to buy stocks may be as soon as you have the money available. Even if the market falls soon after investing, you’ll have plenty of time to make up those losses. And the only way to guarantee you’ll be a part of any stock market recovery and expansion from the beginning is to be invested before the recovery starts. Are investing apps safe? Are investing apps safe? Generally, yes, investing apps are safe to use. Some newer apps have had reliability issues in recent years, in which the app goes down and users are left without access to their funds or the app’s functionality is restricted for a limited period. Even in these instances, your money is typically still safe, but losing temporary access to it is still a legitimate concern. So, if you’re hoping to avoid these issues, you can choose an investing app from a large and established brokerage. Our list of [the best stock apps](https://www.nerdwallet.com/investing/learn/best-stock-trading-apps) is a good place to start. Article sources Article sources NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our [editorial guidelines.](https://www.nerdwallet.com/l/nerdwallet-editorial-guidelines) - [1\.](https://www.nerdwallet.com/investing/learn/how-to-invest-in-stocks#citation-3114614235) Vanguard. [International Investments: Stocks, Bonds, & ETFs.](https://investor.vanguard.com/investor-resources-education/understanding-investment-types/why-invest-internationally) Accessed Mar 24, 2026. [Back to top]() About the authors [![Chris Davis](https://www.nerdwallet.com/tachyon/2020/03/Chris-Davis.jpg?resize=70%2C70)](https://www.nerdwallet.com/author/chris-davis) [Chris Davis](https://www.nerdwallet.com/author/chris-davis) Chris Davis is a Managing Editor on the Investing team. He has covered the stock market, investing strategies, investment accounts and cryptocurrency, and his work has appeared in The Associated Press, The Washington Post, MSN, Yahoo Finance, MarketWatch, Newsday and TheStreet. [See full bio.](https://www.nerdwallet.com/author/chris-davis) [![Sam Taube](https://www.nerdwallet.com/tachyon/2024/02/IMG_6406.jpg?resize=70%2C70)](https://www.nerdwallet.com/author/sam-taube) [Sam Taube](https://www.nerdwallet.com/author/sam-taube) Sam Taube writes about investing for NerdWallet. He has covered investing and financial news since earning his economics degree in 2016. [See full bio.](https://www.nerdwallet.com/author/sam-taube) On this page [Back to top ↑]() On this page ╳ - [How to invest in stocks](https://www.nerdwallet.com/investing/learn/how-to-invest-in-stocks#how-to-invest-in-stocks) How to invest in stocks - [Step 1. Choose a broker](https://www.nerdwallet.com/investing/learn/how-to-invest-in-stocks#step-1-choose-a-broker) - [Step 2. Pick a type of investment account](https://www.nerdwallet.com/investing/learn/how-to-invest-in-stocks#step-2-pick-a-type-of-investment-account) - [Step 3. Choose individual stocks or a stock fund](https://www.nerdwallet.com/investing/learn/how-to-invest-in-stocks#step-3-choose-individual-stocks-or-a-stock-fund) - [Step 4. Set a budget](https://www.nerdwallet.com/investing/learn/how-to-invest-in-stocks#step-4-set-a-budget) - [Step 5. Focus on investing for the long term](https://www.nerdwallet.com/investing/learn/how-to-invest-in-stocks#step-5-focus-on-investing-for-the-long-term) - [Step 6. Manage your stock portfolio](https://www.nerdwallet.com/investing/learn/how-to-invest-in-stocks#step-6-manage-your-stock-portfolio) More like this [Investment Basics](https://www.nerdwallet.com/investing/learn)[Investing](https://www.nerdwallet.com/investing)[Stocks](https://www.nerdwallet.com/investing/hubs/stocks) Related articles [![](https://www.nerdwallet.com/tachyon/2021/08/GettyImages-531456017.jpg?resize=600%2C360) What Is a Brokerage Account? Where and How to Open One ![Arielle O'Shea's profile picture](https://www.nerdwallet.com/tachyon/2019/08/aoshea-user-avatar.jpg?resize=70%2C70) 2 By Arielle O'Shea, Pamela de la Fuente](https://www.nerdwallet.com/investing/learn/what-is-how-to-open-brokerage-account) [![Best Online Brokers for Stock Trading roundup](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2019/01/GettyImages-1126141028-600x360.jpg) Best Brokerage Accounts for Online Investing and Stock Trading in 2026 ![Chris Davis's profile picture](https://www.nerdwallet.com/tachyon/2020/03/Chris-Davis.jpg?resize=70%2C70) By Chris Davis](https://www.nerdwallet.com/investing/best/online-brokers-for-stock-trading) [![](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2023/07/GettyImages-1441530841-600x360.jpg) Investment Calculator ![Chris Davis's profile picture](https://www.nerdwallet.com/tachyon/2020/03/Chris-Davis.jpg?resize=70%2C70) By Chris Davis](https://www.nerdwallet.com/investing/calculators/investment-calculator) [![](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2019/08/GettyImages-1181542851-1-1-e1718306806913-600x360.jpg) Best Investments: Where to Invest in 2026 ![Chris Davis's profile picture](https://www.nerdwallet.com/tachyon/2020/03/Chris-Davis.jpg?resize=70%2C70) 2 By Chris Davis, Alieza Durana](https://www.nerdwallet.com/investing/learn/the-best-investments-right-now) [![](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2018/10/GettyImages-869282942-600x360.jpg) The Best-Performing Stocks in 2026 (By One-Year Returns) ![Arielle O'Shea's profile picture](https://www.nerdwallet.com/tachyon/2019/08/aoshea-user-avatar.jpg?resize=70%2C70) 2 By Arielle O'Shea, Chris Davis](https://www.nerdwallet.com/investing/learn/best-performing-stocks) [![](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2018/03/GettyImages-1389168720-600x360.jpg) Investing in Dividend Stocks: Guide, Calculator and Top 7 Yields for April 2026 ![Chris Davis's profile picture](https://www.nerdwallet.com/tachyon/2020/03/Chris-Davis.jpg?resize=70%2C70) 2 By Chris Davis, Sam Taube](https://www.nerdwallet.com/investing/learn/how-to-invest-dividend-stocks) ![NerdWallet Home Page](data:image/svg+xml;base64,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) Finance Smarter [Learn more about the app](https://www.nerdwallet.com/l/nerdwallet-app-track-your-wealth-and-build-your-future) Download the app [![Download on the App Store](data:image/svg+xml,%3Csvg%20height%3D%2240%22%20width%3D%22120%22%20viewBox%3D%220%200%20119.66407%2040%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20%3E%3Ctitle%3EDownload_on_the_App_Store_Badge_US-UK_RGB_blk_4SVG_092917%3C%2Ftitle%3E%3Cg%3E%3Cg%3E%3Cg%3E%3Cpath%20d%3D%22M110.13477%2C0H9.53468c-.3667%2C0-.729%2C0-1.09473.002-.30615.002-.60986.00781-.91895.0127A13.21476%2C13.21476%2C0%2C0%2C0%2C5.5171.19141a6.66509%2C6.66509%2C0%2C0%2C0-1.90088.627A6.43779%2C6.43779%2C0%2C0%2C0%2C1.99757%2C1.99707%2C6.25844%2C6.25844%2C0%2C0%2C0%2C.81935%2C3.61816a6.60119%2C6.60119%2C0%2C0%2C0-.625%2C1.90332%2C12.993%2C12.993%2C0%2C0%2C0-.1792%2C2.002C.00587%2C7.83008.00489%2C8.1377%2C0%2C8.44434V31.5586c.00489.3105.00587.6113.01515.9219a12.99232%2C12.99232%2C0%2C0%2C0%2C.1792%2C2.0019%2C6.58756%2C6.58756%2C0%2C0%2C0%2C.625%2C1.9043A6.20778%2C6.20778%2C0%2C0%2C0%2C1.99757%2C38.001a6.27445%2C6.27445%2C0%2C0%2C0%2C1.61865%2C1.1787%2C6.70082%2C6.70082%2C0%2C0%2C0%2C1.90088.6308%2C13.45514%2C13.45514%2C0%2C0%2C0%2C2.0039.1768c.30909.0068.6128.0107.91895.0107C8.80567%2C40%2C9.168%2C40%2C9.53468%2C40H110.13477c.3594%2C0%2C.7246%2C0%2C1.084-.002.3047%2C0%2C.6172-.0039.9219-.0107a13.279%2C13.279%2C0%2C0%2C0%2C2-.1768%2C6.80432%2C6.80432%2C0%2C0%2C0%2C1.9082-.6308%2C6.27742%2C6.27742%2C0%2C0%2C0%2C1.6172-1.1787%2C6.39482%2C6.39482%2C0%2C0%2C0%2C1.1816-1.6143%2C6.60413%2C6.60413%2C0%2C0%2C0%2C.6191-1.9043%2C13.50643%2C13.50643%2C0%2C0%2C0%2C.1856-2.0019c.0039-.3106.0039-.6114.0039-.9219.0078-.3633.0078-.7246.0078-1.0938V9.53613c0-.36621%2C0-.72949-.0078-1.09179%2C0-.30664%2C0-.61426-.0039-.9209a13.5071%2C13.5071%2C0%2C0%2C0-.1856-2.002%2C6.6177%2C6.6177%2C0%2C0%2C0-.6191-1.90332%2C6.46619%2C6.46619%2C0%2C0%2C0-2.7988-2.7998%2C6.76754%2C6.76754%2C0%2C0%2C0-1.9082-.627%2C13.04394%2C13.04394%2C0%2C0%2C0-2-.17676c-.3047-.00488-.6172-.01074-.9219-.01269-.3594-.002-.7246-.002-1.084-.002Z%22%20fill%3D%22%23a6a6a6%22%20%2F%3E%3Cpath%20d%3D%22M8.44483%2C39.125c-.30468%2C0-.602-.0039-.90429-.0107a12.68714%2C12.68714%2C0%2C0%2C1-1.86914-.1631%2C5.88381%2C5.88381%2C0%2C0%2C1-1.65674-.5479%2C5.40573%2C5.40573%2C0%2C0%2C1-1.397-1.0166%2C5.32082%2C5.32082%2C0%2C0%2C1-1.02051-1.3965%2C5.72186%2C5.72186%2C0%2C0%2C1-.543-1.6572%2C12.41351%2C12.41351%2C0%2C0%2C1-.1665-1.875c-.00634-.2109-.01464-.9131-.01464-.9131V8.44434S.88185%2C7.75293.8877%2C7.5498a12.37039%2C12.37039%2C0%2C0%2C1%2C.16553-1.87207%2C5.7555%2C5.7555%2C0%2C0%2C1%2C.54346-1.6621A5.37349%2C5.37349%2C0%2C0%2C1%2C2.61183%2C2.61768%2C5.56543%2C5.56543%2C0%2C0%2C1%2C4.01417%2C1.59521a5.82309%2C5.82309%2C0%2C0%2C1%2C1.65332-.54394A12.58589%2C12.58589%2C0%2C0%2C1%2C7.543.88721L8.44532.875H111.21387l.9131.0127a12.38493%2C12.38493%2C0%2C0%2C1%2C1.8584.16259%2C5.93833%2C5.93833%2C0%2C0%2C1%2C1.6709.54785%2C5.59374%2C5.59374%2C0%2C0%2C1%2C2.415%2C2.41993%2C5.76267%2C5.76267%2C0%2C0%2C1%2C.5352%2C1.64892%2C12.995%2C12.995%2C0%2C0%2C1%2C.1738%2C1.88721c.0029.2832.0029.5874.0029.89014.0079.375.0079.73193.0079%2C1.09179V30.4648c0%2C.3633%2C0%2C.7178-.0079%2C1.0752%2C0%2C.3252%2C0%2C.6231-.0039.9297a12.73126%2C12.73126%2C0%2C0%2C1-.1709%2C1.8535%2C5.739%2C5.739%2C0%2C0%2C1-.54%2C1.67%2C5.48029%2C5.48029%2C0%2C0%2C1-1.0156%2C1.3857%2C5.4129%2C5.4129%2C0%2C0%2C1-1.3994%2C1.0225%2C5.86168%2C5.86168%2C0%2C0%2C1-1.668.5498%2C12.54218%2C12.54218%2C0%2C0%2C1-1.8692.1631c-.2929.0068-.5996.0107-.8974.0107l-1.084.002Z%22%20%2F%3E%3C%2Fg%3E%3Cg%20id%3D%22_Group_%22%20data-name%3D%22%26lt%3BGroup%26gt%3B%22%3E%3Cg%20id%3D%22_Group_2%22%20data-name%3D%22%26lt%3BGroup%26gt%3B%22%3E%3Cg%20id%3D%22_Group_3%22%20data-name%3D%22%26lt%3BGroup%26gt%3B%22%3E%3Cpath%20id%3D%22_Path_%22%20data-name%3D%22%26lt%3BPath%26gt%3B%22%20d%3D%22M24.76888%2C20.30068a4.94881%2C4.94881%2C0%2C0%2C1%2C2.35656-4.15206%2C5.06566%2C5.06566%2C0%2C0%2C0-3.99116-2.15768c-1.67924-.17626-3.30719%2C1.00483-4.1629%2C1.00483-.87227%2C0-2.18977-.98733-3.6085-.95814a5.31529%2C5.31529%2C0%2C0%2C0-4.47292%2C2.72787c-1.934%2C3.34842-.49141%2C8.26947%2C1.3612%2C10.97608.9269%2C1.32535%2C2.01018%2C2.8058%2C3.42763%2C2.7533%2C1.38706-.05753%2C1.9051-.88448%2C3.5794-.88448%2C1.65876%2C0%2C2.14479.88448%2C3.591.8511%2C1.48838-.02416%2C2.42613-1.33124%2C3.32051-2.66914a10.962%2C10.962%2C0%2C0%2C0%2C1.51842-3.09251A4.78205%2C4.78205%2C0%2C0%2C1%2C24.76888%2C20.30068Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20id%3D%22_Path_2%22%20data-name%3D%22%26lt%3BPath%26gt%3B%22%20d%3D%22M22.03725%2C12.21089a4.87248%2C4.87248%2C0%2C0%2C0%2C1.11452-3.49062%2C4.95746%2C4.95746%2C0%2C0%2C0-3.20758%2C1.65961%2C4.63634%2C4.63634%2C0%2C0%2C0-1.14371%2C3.36139A4.09905%2C4.09905%2C0%2C0%2C0%2C22.03725%2C12.21089Z%22%20fill%3D%22%23fff%22%20%2F%3E%3C%2Fg%3E%3C%2Fg%3E%3Cg%3E%3Cpath%20d%3D%22M42.30227%2C27.13965h-4.7334l-1.13672%2C3.35645H34.42727l4.4834-12.418h2.083l4.4834%2C12.418H43.438ZM38.0591%2C25.59082h3.752l-1.84961-5.44727h-.05176Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M55.15969%2C25.96973c0%2C2.81348-1.50586%2C4.62109-3.77832%2C4.62109a3.0693%2C3.0693%2C0%2C0%2C1-2.84863-1.584h-.043v4.48438h-1.8584V21.44238H48.4302v1.50586h.03418a3.21162%2C3.21162%2C0%2C0%2C1%2C2.88281-1.60059C53.645%2C21.34766%2C55.15969%2C23.16406%2C55.15969%2C25.96973Zm-1.91016%2C0c0-1.833-.94727-3.03809-2.39258-3.03809-1.41992%2C0-2.375%2C1.23047-2.375%2C3.03809%2C0%2C1.82422.95508%2C3.0459%2C2.375%2C3.0459C52.30227%2C29.01563%2C53.24953%2C27.81934%2C53.24953%2C25.96973Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M65.12453%2C25.96973c0%2C2.81348-1.50586%2C4.62109-3.77832%2C4.62109a3.0693%2C3.0693%2C0%2C0%2C1-2.84863-1.584h-.043v4.48438h-1.8584V21.44238H58.395v1.50586h.03418A3.21162%2C3.21162%2C0%2C0%2C1%2C61.312%2C21.34766C63.60988%2C21.34766%2C65.12453%2C23.16406%2C65.12453%2C25.96973Zm-1.91016%2C0c0-1.833-.94727-3.03809-2.39258-3.03809-1.41992%2C0-2.375%2C1.23047-2.375%2C3.03809%2C0%2C1.82422.95508%2C3.0459%2C2.375%2C3.0459C62.26711%2C29.01563%2C63.21438%2C27.81934%2C63.21438%2C25.96973Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M71.71047%2C27.03613c.1377%2C1.23145%2C1.334%2C2.04%2C2.96875%2C2.04%2C1.56641%2C0%2C2.69336-.80859%2C2.69336-1.91895%2C0-.96387-.67969-1.541-2.28906-1.93652l-1.60937-.3877c-2.28027-.55078-3.33887-1.61719-3.33887-3.34766%2C0-2.14258%2C1.86719-3.61426%2C4.51855-3.61426%2C2.624%2C0%2C4.42285%2C1.47168%2C4.4834%2C3.61426h-1.876c-.1123-1.23926-1.13672-1.9873-2.63379-1.9873s-2.52148.75684-2.52148%2C1.8584c0%2C.87793.6543%2C1.39453%2C2.25488%2C1.79l1.36816.33594c2.54785.60254%2C3.60645%2C1.626%2C3.60645%2C3.44238%2C0%2C2.32324-1.85059%2C3.77832-4.79395%2C3.77832-2.75391%2C0-4.61328-1.4209-4.7334-3.667Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M83.34621%2C19.2998v2.14258h1.72168v1.47168H83.34621v4.99121c0%2C.77539.34473%2C1.13672%2C1.10156%2C1.13672a5.80752%2C5.80752%2C0%2C0%2C0%2C.61133-.043v1.46289a5.10351%2C5.10351%2C0%2C0%2C1-1.03223.08594c-1.833%2C0-2.54785-.68848-2.54785-2.44434V22.91406H80.16262V21.44238H81.479V19.2998Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M86.065%2C25.96973c0-2.84863%2C1.67773-4.63867%2C4.29395-4.63867%2C2.625%2C0%2C4.29492%2C1.79%2C4.29492%2C4.63867%2C0%2C2.85645-1.66113%2C4.63867-4.29492%2C4.63867C87.72609%2C30.6084%2C86.065%2C28.82617%2C86.065%2C25.96973Zm6.69531%2C0c0-1.9541-.89551-3.10742-2.40137-3.10742s-2.40039%2C1.16211-2.40039%2C3.10742c0%2C1.96191.89453%2C3.10645%2C2.40039%2C3.10645S92.76027%2C27.93164%2C92.76027%2C25.96973Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M96.18606%2C21.44238h1.77246v1.541h.043a2.1594%2C2.1594%2C0%2C0%2C1%2C2.17773-1.63574%2C2.86616%2C2.86616%2C0%2C0%2C1%2C.63672.06934v1.73828a2.59794%2C2.59794%2C0%2C0%2C0-.835-.1123%2C1.87264%2C1.87264%2C0%2C0%2C0-1.93652%2C2.083v5.37012h-1.8584Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M109.3843%2C27.83691c-.25%2C1.64355-1.85059%2C2.77148-3.89844%2C2.77148-2.63379%2C0-4.26855-1.76465-4.26855-4.5957%2C0-2.83984%2C1.64355-4.68164%2C4.19043-4.68164%2C2.50488%2C0%2C4.08008%2C1.7207%2C4.08008%2C4.46582v.63672h-6.39453v.1123a2.358%2C2.358%2C0%2C0%2C0%2C2.43555%2C2.56445%2C2.04834%2C2.04834%2C0%2C0%2C0%2C2.09082-1.27344Zm-6.28223-2.70215h4.52637a2.1773%2C2.1773%2C0%2C0%2C0-2.2207-2.29785A2.292%2C2.292%2C0%2C0%2C0%2C103.10207%2C25.13477Z%22%20fill%3D%22%23fff%22%20%2F%3E%3C%2Fg%3E%3C%2Fg%3E%3C%2Fg%3E%3Cg%20id%3D%22_Group_4%22%20data-name%3D%22%26lt%3BGroup%26gt%3B%22%3E%3Cg%3E%3Cpath%20d%3D%22M37.82619%2C8.731a2.63964%2C2.63964%2C0%2C0%2C1%2C2.80762%2C2.96484c0%2C1.90625-1.03027%2C3.002-2.80762%2C3.002H35.67092V8.731Zm-1.22852%2C5.123h1.125a1.87588%2C1.87588%2C0%2C0%2C0%2C1.96777-2.146%2C1.881%2C1.881%2C0%2C0%2C0-1.96777-2.13379h-1.125Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M41.68068%2C12.44434a2.13323%2C2.13323%2C0%2C1%2C1%2C4.24707%2C0%2C2.13358%2C2.13358%2C0%2C1%2C1-4.24707%2C0Zm3.333%2C0c0-.97607-.43848-1.54687-1.208-1.54687-.77246%2C0-1.207.5708-1.207%2C1.54688%2C0%2C.98389.43457%2C1.55029%2C1.207%2C1.55029C44.57522%2C13.99463%2C45.01369%2C13.42432%2C45.01369%2C12.44434Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M51.57326%2C14.69775h-.92187l-.93066-3.31641h-.07031l-.92676%2C3.31641h-.91309l-1.24121-4.50293h.90137l.80664%2C3.436h.06641l.92578-3.436h.85254l.92578%2C3.436h.07031l.80273-3.436h.88867Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M53.85354%2C10.19482H54.709v.71533h.06641a1.348%2C1.348%2C0%2C0%2C1%2C1.34375-.80225%2C1.46456%2C1.46456%2C0%2C0%2C1%2C1.55859%2C1.6748v2.915h-.88867V12.00586c0-.72363-.31445-1.0835-.97168-1.0835a1.03294%2C1.03294%2C0%2C0%2C0-1.0752%2C1.14111v2.63428h-.88867Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M59.09377%2C8.437h.88867v6.26074h-.88867Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M61.21779%2C12.44434a2.13346%2C2.13346%2C0%2C1%2C1%2C4.24756%2C0%2C2.1338%2C2.1338%2C0%2C1%2C1-4.24756%2C0Zm3.333%2C0c0-.97607-.43848-1.54687-1.208-1.54687-.77246%2C0-1.207.5708-1.207%2C1.54688%2C0%2C.98389.43457%2C1.55029%2C1.207%2C1.55029C64.11232%2C13.99463%2C64.5508%2C13.42432%2C64.5508%2C12.44434Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M66.4009%2C13.42432c0-.81055.60352-1.27783%2C1.6748-1.34424l1.21973-.07031v-.38867c0-.47559-.31445-.74414-.92187-.74414-.49609%2C0-.83984.18213-.93848.50049h-.86035c.09082-.77344.81836-1.26953%2C1.83984-1.26953%2C1.12891%2C0%2C1.76563.562%2C1.76563%2C1.51318v3.07666h-.85547v-.63281h-.07031a1.515%2C1.515%2C0%2C0%2C1-1.35254.707A1.36026%2C1.36026%2C0%2C0%2C1%2C66.4009%2C13.42432Zm2.89453-.38477v-.37646l-1.09961.07031c-.62012.0415-.90137.25244-.90137.64941%2C0%2C.40527.35156.64111.835.64111A1.0615%2C1.0615%2C0%2C0%2C0%2C69.29543%2C13.03955Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M71.34816%2C12.44434c0-1.42285.73145-2.32422%2C1.86914-2.32422a1.484%2C1.484%2C0%2C0%2C1%2C1.38086.79h.06641V8.437h.88867v6.26074h-.85156v-.71143h-.07031a1.56284%2C1.56284%2C0%2C0%2C1-1.41406.78564C72.0718%2C14.772%2C71.34816%2C13.87061%2C71.34816%2C12.44434Zm.918%2C0c0%2C.95508.4502%2C1.52979%2C1.20313%2C1.52979.749%2C0%2C1.21191-.583%2C1.21191-1.52588%2C0-.93848-.46777-1.52979-1.21191-1.52979C72.72121%2C10.91846%2C72.26613%2C11.49707%2C72.26613%2C12.44434Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M79.23%2C12.44434a2.13323%2C2.13323%2C0%2C1%2C1%2C4.24707%2C0%2C2.13358%2C2.13358%2C0%2C1%2C1-4.24707%2C0Zm3.333%2C0c0-.97607-.43848-1.54687-1.208-1.54687-.77246%2C0-1.207.5708-1.207%2C1.54688%2C0%2C.98389.43457%2C1.55029%2C1.207%2C1.55029C82.12453%2C13.99463%2C82.563%2C13.42432%2C82.563%2C12.44434Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M84.66945%2C10.19482h.85547v.71533h.06641a1.348%2C1.348%2C0%2C0%2C1%2C1.34375-.80225%2C1.46456%2C1.46456%2C0%2C0%2C1%2C1.55859%2C1.6748v2.915H87.605V12.00586c0-.72363-.31445-1.0835-.97168-1.0835a1.03294%2C1.03294%2C0%2C0%2C0-1.0752%2C1.14111v2.63428h-.88867Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M93.51516%2C9.07373v1.1416h.97559v.74854h-.97559V13.2793c0%2C.47168.19434.67822.63672.67822a2.96657%2C2.96657%2C0%2C0%2C0%2C.33887-.02051v.74023a2.9155%2C2.9155%2C0%2C0%2C1-.4834.04541c-.98828%2C0-1.38184-.34766-1.38184-1.21582v-2.543h-.71484v-.74854h.71484V9.07373Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M95.70461%2C8.437h.88086v2.48145h.07031a1.3856%2C1.3856%2C0%2C0%2C1%2C1.373-.80664%2C1.48339%2C1.48339%2C0%2C0%2C1%2C1.55078%2C1.67871v2.90723H98.69v-2.688c0-.71924-.335-1.0835-.96289-1.0835a1.05194%2C1.05194%2C0%2C0%2C0-1.13379%2C1.1416v2.62988h-.88867Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M104.76125%2C13.48193a1.828%2C1.828%2C0%2C0%2C1-1.95117%2C1.30273A2.04531%2C2.04531%2C0%2C0%2C1%2C100.73%2C12.46045a2.07685%2C2.07685%2C0%2C0%2C1%2C2.07617-2.35254c1.25293%2C0%2C2.00879.856%2C2.00879%2C2.27V12.688h-3.17969v.0498a1.1902%2C1.1902%2C0%2C0%2C0%2C1.19922%2C1.29%2C1.07934%2C1.07934%2C0%2C0%2C0%2C1.07129-.5459Zm-3.126-1.45117h2.27441a1.08647%2C1.08647%2C0%2C0%2C0-1.1084-1.1665A1.15162%2C1.15162%2C0%2C0%2C0%2C101.63527%2C12.03076Z%22%20fill%3D%22%23fff%22%20%2F%3E%3C%2Fg%3E%3C%2Fg%3E%3C%2Fg%3E%3C%2Fsvg%3E)](https://nerdwallet.onelink.me/3687710914/87a0b5b3) 4\.8 121,000+ reviews [![Get it on Google Play](data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20height%3D%2240%22%20width%3D%22130%22%20x%3D%220px%22%20y%3D%220px%22%20viewBox%3D%220%200%205435.8%201604%22%20%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M5234.4%2C1604h-5033C90.4%2C1604%2C0%2C1513.6%2C0%2C1403.5v-1203C0%2C90%2C90.4%2C0%2C201.4%2C0h5033c110.9%2C0%2C201.4%2C90%2C201.4%2C200.5%20v1203C5435.8%2C1513.6%2C5345.3%2C1604%2C5234.4%2C1604z%22%2F%3E%3Cpath%20fill%3D%22%23A6A6A6%22%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M5234.4%2C32.1c93.1%2C0%2C169.3%2C75.7%2C169.3%2C168.4v1203c0%2C92.7-75.7%2C168.4-169.3%2C168.4h-5033%20c-93.1%2C0-169.3-75.7-169.3-168.4v-1203c0-92.7%2C75.7-168.4%2C169.3-168.4C201.4%2C32.1%2C5234.4%2C32.1%2C5234.4%2C32.1z%20M5234.4%2C0h-5033%20C90.4%2C0%2C0%2C90.4%2C0%2C200.5v1203C0%2C1514%2C90.4%2C1604%2C201.4%2C1604h5033c110.9%2C0%2C201.4-90%2C201.4-200.5v-1203C5435.8%2C90.4%2C5345.3%2C0%2C5234.4%2C0z%22%2F%3E%3Cpath%20fill%3D%22%23FFFFFF%22%20d%3D%22M2863.6%2C530.6c-36.3%2C0-66.9-12.7-91.1-37.7c-24-24.3-37.4-57.8-36.8-92c0-36.5%2C12.4-67.4%2C36.8-91.9%20c24.1-25%2C54.7-37.7%2C91-37.7c35.9%2C0%2C66.5%2C12.7%2C91.1%2C37.7c24.4%2C25.3%2C36.8%2C56.2%2C36.8%2C91.9c-0.4%2C36.6-12.8%2C67.5-36.8%2C91.9%20C2930.5%2C518%2C2899.9%2C530.6%2C2863.6%2C530.6z%20M1783.5%2C530.6c-35.5%2C0-66.3-12.5-91.5-37.2c-25-24.6-37.7-55.7-37.7-92.4%20s12.7-67.8%2C37.7-92.4c24.7-24.7%2C55.5-37.2%2C91.5-37.2c17.6%2C0%2C34.7%2C3.5%2C51.1%2C10.6c16.1%2C6.9%2C29.2%2C16.3%2C38.9%2C27.8l2.4%2C2.9l-27.1%2C26.6%20l-2.8-3.3c-15.3-18.2-35.8-27.1-62.9-27.1c-24.2%2C0-45.3%2C8.6-62.7%2C25.6c-17.5%2C17.1-26.4%2C39.5-26.4%2C66.6s8.9%2C49.5%2C26.4%2C66.6%20c17.4%2C17%2C38.5%2C25.6%2C62.7%2C25.6c25.8%2C0%2C47.5-8.6%2C64.4-25.6c10-10%2C16.2-24%2C18.4-41.7h-86.9v-37.4h124.2l0.5%2C3.4%20c0.9%2C6.3%2C1.8%2C12.8%2C1.8%2C18.8c0%2C34.5-10.4%2C62.4-31%2C83C1851.1%2C518.2%2C1820.5%2C530.6%2C1783.5%2C530.6z%20M3219.6%2C525.3h-38.3L3064%2C337.6l1%2C33.8%20v153.8h-38.3V276.7h43.7l1.2%2C1.9l110.3%2C176.8l-1-33.7V276.7h38.7V525.3z%20M2575.8%2C525.3H2537V314.1h-67.3v-37.4H2643v37.4h-67.3%20V525.3z%20M2438.1%2C525.3h-38.7V276.7h38.7V525.3z%20M2220.6%2C525.3h-38.7V314.1h-67.3v-37.4h173.3v37.4h-67.3V525.3z%20M2090.1%2C524.9%20h-148.4V276.7h148.4v37.4h-109.6v68.2h98.9v37h-98.9v68.2h109.6V524.9z%20M2800.9%2C467.2c17.3%2C17.3%2C38.3%2C26%2C62.7%2C26%20c25.1%2C0%2C45.6-8.5%2C62.7-26c17-17%2C25.6-39.3%2C25.6-66.2s-8.6-49.3-25.5-66.2c-17.3-17.3-38.4-26-62.7-26c-25.1%2C0-45.6%2C8.5-62.6%2C26%20c-17%2C17-25.6%2C39.3-25.6%2C66.2S2784%2C450.3%2C2800.9%2C467.2L2800.9%2C467.2z%22%2F%3E%3Cpath%20fill%3D%22%23FFFFFF%22%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M2732.1%2C872.4c-94.5%2C0-171.1%2C71.7-171.1%2C170.6c0%2C98%2C77.1%2C170.6%2C171.1%2C170.6c94.5%2C0%2C171.1-72.2%2C171.1-170.6%20C2903.2%2C944.1%2C2826.6%2C872.4%2C2732.1%2C872.4z%20M2732.1%2C1146c-51.7%2C0-96.2-42.8-96.2-103.4c0-61.5%2C44.6-103.4%2C96.2-103.4%20c51.7%2C0%2C96.2%2C41.9%2C96.2%2C103.4C2828.4%2C1103.6%2C2783.8%2C1146%2C2732.1%2C1146z%20M2358.8%2C872.4c-94.5%2C0-171.1%2C71.7-171.1%2C170.6%20c0%2C98%2C77.1%2C170.6%2C171.1%2C170.6c94.5%2C0%2C171.1-72.2%2C171.1-170.6C2529.9%2C944.1%2C2453.2%2C872.4%2C2358.8%2C872.4z%20M2358.8%2C1146%20c-51.7%2C0-96.2-42.8-96.2-103.4c0-61.5%2C44.6-103.4%2C96.2-103.4c51.7%2C0%2C96.2%2C41.9%2C96.2%2C103.4C2455%2C1103.6%2C2410.5%2C1146%2C2358.8%2C1146z%20M1914.6%2C924.5v72.2h173.3c-5.3%2C40.5-18.7%2C70.4-39.2%2C90.9c-25.4%2C25.4-64.6%2C53-133.7%2C53c-106.5%2C0-189.8-86-189.8-192.5%20s83.3-192.5%2C189.8-192.5c57.5%2C0%2C99.4%2C22.7%2C130.5%2C51.7l51.2-51.2c-43.2-41.4-100.7-73.1-181.3-73.1c-146.1%2C0-268.7%2C119-268.7%2C264.7%20c0%2C146.1%2C122.5%2C264.7%2C268.7%2C264.7c78.9%2C0%2C138.1-25.8%2C184.9-74.4c47.7-47.7%2C62.8-115%2C62.8-169.3c0-16.9-1.3-32.1-4-45h-244.6%20C1914.6%2C923.6%2C1914.6%2C924.5%2C1914.6%2C924.5z%20M3731.5%2C980.7c-14.3-38.3-57.5-108.7-146.1-108.7c-87.8%2C0-160.8%2C69.1-160.8%2C170.6%20c0%2C95.8%2C72.2%2C170.6%2C169.3%2C170.6c78%2C0%2C123.4-47.7%2C142.1-75.7l-57.9-38.8c-19.2%2C28.5-45.9%2C47.2-83.8%2C47.2c-38.3%2C0-65.1-17.4-82.9-51.7%20l228.1-94.5C3739.5%2C999.8%2C3731.5%2C980.7%2C3731.5%2C980.7z%20M3498.9%2C1037.7c-1.8-65.9%2C51.2-99.4%2C89.1-99.4c29.9%2C0%2C54.8%2C14.7%2C63.3%2C36.1%20L3498.9%2C1037.7z%20M3313.6%2C1203h74.9V701.8h-74.9V1203z%20M3190.6%2C910.3h-2.7c-16.9-20.1-49-38.3-90-38.3%20c-85.1%2C0-163.5%2C74.9-163.5%2C171.1c0%2C95.8%2C78%2C169.8%2C163.5%2C169.8c40.5%2C0%2C73.1-18.3%2C90-38.8h2.7v24.5c0%2C65.1-34.8%2C100.2-90.9%2C100.2%20c-45.9%2C0-74.4-33-86-60.6l-65.1%2C27.2c18.7%2C45%2C68.6%2C100.7%2C151%2C100.7c87.8%2C0%2C162.2-51.7%2C162.2-177.8V882.2h-70.8v28.1%20C3191.1%2C910.3%2C3190.6%2C910.3%2C3190.6%2C910.3z%20M3104.6%2C1146c-51.7%2C0-94.9-43.2-94.9-102.9c0-60.2%2C43.2-103.8%2C94.9-103.8%20c51.2%2C0%2C90.9%2C44.1%2C90.9%2C103.8C3196%2C1102.8%2C3155.9%2C1146%2C3104.6%2C1146z%20M4082.2%2C701.8h-179.1V1203h74.9v-189.8h104.3%20c82.9%2C0%2C164.4-60.1%2C164.4-155.5S4165.5%2C701.8%2C4082.2%2C701.8z%20M4084.4%2C943.2h-106.5v-172h106.5c56.1%2C0%2C87.8%2C46.3%2C87.8%2C86%20C4172.2%2C896.5%2C4140.1%2C943.2%2C4084.4%2C943.2z%20M4546.9%2C871.5c-54.4%2C0-110.5%2C24.1-133.7%2C76.6l66.4%2C27.6c14.3-27.6%2C40.5-37%2C68.2-37%20c38.8%2C0%2C78%2C23.2%2C78.9%2C64.6v5.3c-13.4-7.6-42.8-19.2-78-19.2c-71.7%2C0-144.4%2C39.2-144.4%2C112.7c0%2C67.3%2C58.8%2C110.5%2C124.3%2C110.5%20c50.3%2C0%2C78-22.7%2C95.3-49h2.7v38.8h72.2v-192C4698.8%2C921%2C4632.4%2C871.5%2C4546.9%2C871.5z%20M4537.5%2C1146c-24.5%2C0-58.8-12-58.8-42.8%20c0-38.8%2C42.8-53.5%2C79.3-53.5c33%2C0%2C48.6%2C7.1%2C68.2%2C16.9C4620.8%2C1111.6%2C4582.8%2C1145.6%2C4537.5%2C1146z%20M4962.2%2C882.2l-86%2C217.4h-2.7%20l-89.1-217.4h-80.6l133.7%2C303.9l-76.2%2C168.9h78L5045%2C882.2C5045%2C882.2%2C4962.2%2C882.2%2C4962.2%2C882.2z%20M4288%2C1203h74.9V701.8H4288V1203z%20%22%2F%3E%3ClinearGradient%20id%3D%22SVGID_1_%22%20gradientUnits%3D%22userSpaceOnUse%22%20x1%3D%221682.1077%22%20y1%3D%221339.4783%22%20x2%3D%221624.2924%22%20y2%3D%221309.6345%22%20gradientTransform%3D%22matrix$11.64%200%200%20-22.55%20-18705.5957%2030554.3691$%22%3E%3Cstop%20offset%3D%220%22%20style%3D%22stop-color%3A%2300A0FF%22%2F%3E%3Cstop%20offset%3D%226.569999e-03%22%20style%3D%22stop-color%3A%2300A1FF%22%2F%3E%3Cstop%20offset%3D%220.2601%22%20style%3D%22stop-color%3A%2300BEFF%22%2F%3E%3Cstop%20offset%3D%220.5122%22%20style%3D%22stop-color%3A%2300D2FF%22%2F%3E%3Cstop%20offset%3D%220.7604%22%20style%3D%22stop-color%3A%2300DFFF%22%2F%3E%3Cstop%20offset%3D%221%22%20style%3D%22stop-color%3A%2300E3FF%22%2F%3E%3C%2FlinearGradient%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20fill%3D%22url$%23SVGID_1_$%22%20d%3D%22M418.4%2C302.1c-11.6%2C12.5-18.3%2C31.6-18.3%2C56.6v886.7c0%2C25%2C6.7%2C44.1%2C18.7%2C56.1l3.1%2C2.7l496.8-496.8v-11.1%20L421.5%2C299.4C421.5%2C299.4%2C418.4%2C302.1%2C418.4%2C302.1z%22%2F%3E%3ClinearGradient%20id%3D%22SVGID_2_%22%20gradientUnits%3D%22userSpaceOnUse%22%20x1%3D%221712.6624%22%20y1%3D%221274.8376%22%20x2%3D%221606.5613%22%20y2%3D%221274.8376%22%20gradientTransform%3D%22matrix$9.145%200%200%20-7.7%20-14305.5381%2010618.251$%22%3E%3Cstop%20offset%3D%220%22%20style%3D%22stop-color%3A%23FFE000%22%2F%3E%3Cstop%20offset%3D%220.4087%22%20style%3D%22stop-color%3A%23FFBD00%22%2F%3E%3Cstop%20offset%3D%220.7754%22%20style%3D%22stop-color%3A%23FFA500%22%2F%3E%3Cstop%20offset%3D%221%22%20style%3D%22stop-color%3A%23FF9C00%22%2F%3E%3C%2FlinearGradient%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20fill%3D%22url$%23SVGID_2_$%22%20d%3D%22M1084%2C973.5L918.3%2C807.8v-11.6L1084%2C630.5l3.6%2C2.2l196%2C111.4c56.1%2C31.6%2C56.1%2C83.8%2C0%2C115.8l-196%2C111.4%20C1087.6%2C971.3%2C1084%2C973.5%2C1084%2C973.5z%22%2F%3E%3ClinearGradient%20id%3D%22SVGID_3_%22%20gradientUnits%3D%22userSpaceOnUse%22%20x1%3D%221707.4414%22%20y1%3D%221290.0475%22%20x2%3D%221646.682%22%20y2%3D%221211.2225%22%20gradientTransform%3D%22matrix$15.02%200%200%20-11.5775%20-24650.2285%2015829.6484$%22%3E%3Cstop%20offset%3D%220%22%20style%3D%22stop-color%3A%23FF3A44%22%2F%3E%3Cstop%20offset%3D%221%22%20style%3D%22stop-color%3A%23C31162%22%2F%3E%3C%2FlinearGradient%3E%3Cpath%20fill%3D%22url$%23SVGID_3_$%22%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M1087.6%2C971.3L918.3%2C802l-499.9%2C499.9c18.3%2C19.6%2C49%2C21.8%2C83.3%2C2.7L1087.6%2C971.3%22%2F%3E%3ClinearGradient%20id%3D%22SVGID_4_%22%20gradientUnits%3D%22userSpaceOnUse%22%20x1%3D%221660.6357%22%20y1%3D%221365.6676%22%20x2%3D%221687.767%22%20y2%3D%221330.4501%22%20gradientTransform%3D%22matrix$15.02%200%200%20-11.5715%20-24650.2285%2015809.9922$%22%3E%3Cstop%20offset%3D%220%22%20style%3D%22stop-color%3A%2332A071%22%2F%3E%3Cstop%20offset%3D%226.850000e-02%22%20style%3D%22stop-color%3A%232DA771%22%2F%3E%3Cstop%20offset%3D%220.4762%22%20style%3D%22stop-color%3A%2315CF74%22%2F%3E%3Cstop%20offset%3D%220.8009%22%20style%3D%22stop-color%3A%2306E775%22%2F%3E%3Cstop%20offset%3D%221%22%20style%3D%22stop-color%3A%2300F076%22%2F%3E%3C%2FlinearGradient%3E%3Cpath%20fill%3D%22url$%23SVGID_4_$%22%20fill-rule%3D%22evenodd%22%20enable-background%3D%22new%22%20clip-rule%3D%22evenodd%22%20d%3D%22M1087.6%2C632.7L501.7%2C299.9c-34.3-19.6-65.1-16.9-83.3%2C2.7L918.3%2C802L1087.6%2C632.7z%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20opacity%3D%220.2%22%20d%3D%22M1084%2C967.7l-581.9%2C330.6c-32.5%2C18.7-61.5%2C17.4-80.2%2C0.4l-3.1%2C3.1l3.1%2C2.7c18.7%2C16.9%2C47.7%2C18.3%2C80.2-0.4%20L1088%2C971.3C1088%2C971.3%2C1084%2C967.7%2C1084%2C967.7z%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20opacity%3D%220.12%22%20enable-background%3D%22new%22%20d%3D%22M1283.6%2C854.1l-200.1%2C113.6l3.6%2C3.6l196-111.4c28.1-16%2C41.9-37%2C41.9-57.9C1323.3%2C821.2%2C1309%2C839.4%2C1283.6%2C854.1%20z%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20opacity%3D%220.25%22%20enable-background%3D%22new%22%20d%3D%22M501.7%2C305.7l781.9%2C444.2c25.4%2C14.3%2C39.7%2C33%2C41.9%2C52.1c0-20.9-13.8-41.9-41.9-57.9L501.7%2C299.9%20c-56.1-32.1-101.6-5.3-101.6%2C58.8v5.8C400.1%2C300.3%2C445.6%2C274%2C501.7%2C305.7z%22%2F%3E%3C%2Fsvg%3E)](https://nerdwallet.onelink.me/3687710914/233a7a41) 4\.3 31,200+ reviews ![QR code for downloading the app](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAABGoAAARqAQMAAAAqeQFFAAAABlBMVEX///8AAABVwtN+AAAEYElEQVR42uzdQW7DIBBA0Ug9QI7E1XMkDlCJeoGKNAMhqOkmen/jEteely1y5JskSZIkSZIkSZIkSZIkSZ/ZV1vWz4ZlvY7lOq5v9bj+vg7f/ePSVlUcHBwcHBwcHBwcHBwcHByc1zjzj0vgHMwP2JUdBwcHBwcHBwcHBwcHBwcH55hTWm8sw9k+8N7nx+XoEe6cvxkODg4ODg4ODg4ODg4ODg7Ouzj7pzwiNu+g4ODg4ODg4ODg4ODg4ODg4PwzZ9q9Tfs9O+w4ODg4ODg4ODg4ODg4ODg4b+WkSr4ozF8/MNK2P2rBwcHBwcHBwcHBwcHBwcHBOeXk8sA/Lafh4ODg4ODg4ODg4ODg4ODg7Dn7wlMe2x2U8c+vhoODg4ODg4ODg4ODg4ODg7Mpv97k+btQwvzFtdGerx1VHBwcHBwcHBwcHBwcHBwcnCNOntAb89OENrGH7Zbnr37FwcHBwcHBwcHBwcHBwcHBOeCsbzlquWjfc8ZZHBwcHBwcHBwcHBwcHBwcnCNOvY3y/DqZsN2MWe3NjCUODg4ODg4ODg4ODg4Ozg97d2wDIQxDAfQ2Y/9tboCTuCZSJMPHCfVzhxLwo40cGwdnjZO/kRuLnj2n/EpexcHBwcHBwcHBwcHBwcHBwQmc+zhWm4P2rTWO62qoAcHBwcHBwcHBwcHBwcHBwcFZnkXy7VuHhoKRrpPoJzYW/eHg4ODg4ODg4ODg4ODg4OD0nP6MpJSE5OGuOb75qAYHBwcHBwcHBwcHBwcHBwen5+SEI+rjxnDXGeVXSl4cHBwcHBwcHBwcHBwcHBycwAmR6zhi0cfZ258bi+Lg4ODg4ODg4ODg4ODg4OBsl4TUx2unjT7h8uhXHBwcHBwcHBwcHBwcHBwcnDXO1ilIWQ0VIvf3Y26+jIODg4ODg4ODg4ODg4ODg/OKkyal5PGtM0L9yPOlFhwcHBwcHBwcHBwcHBwcHJx9znVXKPpo8zf3Y0bg4ODg4ODg4ODg4ODg4ODg3HByHGvjTWbU1cFp8k8sDg4ODg4ODg4ODg4ODg4OzmtOOFBp56iUzenPZuDg4ODg4ODg4ODg4ODg4OAscsYna6eNGXk1vNtzxmYcHBwcHBwcHBwcHBwcHBycntNH6KWRS0JyhUhZxcHBwcHBwcHBwcHBwcHBwQmclDBG2dl3Es35cf7t3TEOgCAQRcGjef87WdhQLfysRG3MvEqj0akJZHFwcHBwcHBwcHBwcHBwcPY57YiSo9/0MduDLi/G4ODg4ODg4ODg4ODg4ODg4NznjP+HXR5rXb2dOf2hFhwcHBwcHBwcHBwcHBwcHJzHnDzcNdrzbbXj4ODg4ODg4ODg4ODg4ODgvMmJZ1zOcVlfxsHBwcHBwcHBwcHBwcHBwfmEU8t7QPJySx3uGg614ODg4ODg4ODg4ODg4ODg4OxzYuUbi9Gv5Wnh9JNScHBwcHBwcHBwcHBwcHBwcFYcSZIkSZIkSZIkSZIkSZL+2QWMxaLn/XhdugAAAABJRU5ErkJggg==) About [Company](https://www.nerdwallet.com/company)[Leadership](https://www.nerdwallet.com/leadership)[Careers](https://www.nerdwallet.com/careers)[Corporate impact](https://www.nerdwallet.com/corporate-impact)[Diversity & Inclusion](https://www.nerdwallet.com/diversity-inclusion)[Editorial guidelines](https://www.nerdwallet.com/l/nerdwallet-editorial-guidelines)[Star rating methodologies](https://www.nerdwallet.com/l/rating-methodologies)[Editorial team](https://www.nerdwallet.com/l/nerdwallet-editorial-team)[Press](https://www.nerdwallet.com/press)[Press kit](https://www.nerdwallet.com/kit)[Investors](https://investors.nerdwallet.com/) Help [Help center](https://support.nerdwallet.com/hc/en-us)[Security FAQs](https://www.nerdwallet.com/l/security) Legal [Terms of use](https://www.nerdwallet.com/p/terms-of-use)[Supplier Code of Conduct](https://www.nerdwallet.com/p/supplier-code-of-conduct)[Privacy policy](https://www.nerdwallet.com/p/privacy-policy)[California privacy policy](https://www.nerdwallet.com/p/nerdwallet-california-privacy-policy)[Privacy preferences](https://www.nerdwallet.com/p/privacy-policy)[Do not sell or share my personal information](https://privacyportal.onetrust.com/webform/694a76f6-1f82-455e-b46e-ffeed902c3fa/db85134f-a11a-451c-a462-3f2f39a662bc) Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product's site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution's Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. NerdWallet Compare, Inc. NMLS ID\# 1617539[NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1617539) \\|[Licenses and Disclosures](https://www.nerdwallet.com/p/nerdwallet-compare-inc-licenses-and-disclosures) California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License \#60DBO-74812 Insurance Services offered through NerdWallet Insurance Services, Inc. (CA resident license no.OK92033) [Insurance Licenses](https://www.nerdwallet.com/nerdwallet-insurance-services-inc-licenses-and-disclosures) Fundera, Inc. NMLS ID\# 1240038[NMLS Consumer Access](https://nmlsconsumeraccess.org/) California: California Finance Lender loans arranged pursuant to the Department of Financial Protection and Innovation Finance Lenders License \#603L288 NerdWallet has engaged Atomic Invest LLC (“Atomic”), an SEC-registered investment adviser, to bring you the opportunity to open investment advisory accounts (Automated Investing Account and/or Treasury Account) with Atomic. NerdWallet receives compensation of 0% to 0.85% of assets under management annualized, payable monthly, for each referred client who opens an Atomic account and a percentage of free cash interest earned by clients, which creates a conflict of interest. Brokerage services for Atomic are provided by Atomic Brokerage LLC ("Atomic Brokerage"), member of [FINRA](https://www.finra.org/#/)/[SIPC](https://www.sipc.org/) and an affiliate of Atomic, which creates a conflict of interest. See details about Atomic, in their [Form CRS](https://reports.adviserinfo.sec.gov/crs/crs_313255.pdf), [Form ADV Part 2A](https://adviserinfo.sec.gov/firm/brochure/313255) and [Privacy Policy](https://legal.atomicvest.com/usa.privacy.de3d0277-78f7-4741-9e9f-755f6b4f03ba.pdf). See details about Atomic Brokerage in their [Form CRS](https://files.brokercheck.finra.org/crs_315263.pdf), [General Disclosures](https://legal.atomicvest.com/usa.broker.disclosures.003464f3-f6bd-41c3-bbdf-7050e50b43a2.pdf), [fee schedule](https://legal.atomicvest.com/usa.broker.schedule.7ea28665-88a9-4542-a748-987e90ea46b6.pdf), and FINRA’s [BrokerCheck](https://brokercheck.finra.org/). You also can open a Cash Account offered by Atomic Brokerage which allows you to earn interest on your cash through a cash sweep program. [View Important Cash Account Disclosures.](https://www.atomicvest.com/legal/disclosures/7d9c31dd-bf97-46ae-9803-1774b97187af) Neither Atomic Invest nor Atomic Brokerage, nor any of their affiliates is a bank. Investments in securities: Not FDIC Insured, Not Bank Guaranteed, May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged. Images are for illustrative purposes only. NerdWallet™ \\| 4150 N Drinkwater Blvd, Suite 200, Scottsdale, AZ 85251 [![US](data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2224%22%20height%3D%2224%22%20viewBox%3D%220%200%2024%2024%22%20fill%3D%22none%22%3E%3Cg%20clipPath%3D%22url$%23clipUS$%22%3E%3Cpath%20d%3D%22M22.81%204H1.42004V18.58H22.81V4Z%22%20stroke%3D%22currentColor%22%20strokeMiterlimit%3D%2210%22%20strokeLinejoin%3D%22round%22%20%2F%3E%3Cpath%20d%3D%22M22.81%204H1.42004V5.12H22.81V4Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%206.24H1.42004V7.36H22.81V6.24Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%208.48H1.42004V9.6H22.81V8.48Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%2010.73H1.42004V11.85H22.81V10.73Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%2012.97H1.42004V14.09H22.81V12.97Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%2015.21H1.42004V16.33H22.81V15.21Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%2017.46H1.42004V18.58H22.81V17.46Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M9.97004%204H1.42004V11.85H9.97004V4Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M1.82007%204.63L2.02007%204.83L1.94007%205.14L2.15007%204.95L2.35007%205.14L2.27007%204.83L2.48007%204.63H2.22007L2.15007%204.32L2.07007%204.63H1.82007Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.23999%204.63L3.43999%204.83L3.35999%205.14L3.56999%204.95L3.76999%205.14L3.68999%204.83L3.88999%204.63H3.63999L3.56999%204.32L3.48999%204.63H3.23999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M4.65002%204.63L4.86002%204.83L4.78002%205.14L4.98002%204.95L5.19002%205.14L5.11002%204.83L5.31002%204.63H5.06002L4.98002%204.32L4.91002%204.63H4.65002Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.07007%204.63L6.28007%204.83L6.20007%205.14L6.40007%204.95L6.61007%205.14L6.53007%204.83L6.73007%204.63H6.48007L6.40007%204.32L6.32007%204.63H6.07007Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M7.48999%204.63L7.68999%204.83L7.61999%205.14L7.81999%204.95L8.01999%205.14L7.94999%204.83L8.14999%204.63H7.89999L7.81999%204.32L7.73999%204.63H7.48999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.91003%204.63L9.11003%204.83L9.03003%205.14L9.24003%204.95L9.44003%205.14L9.36003%204.83L9.57003%204.63H9.32003L9.24003%204.32L9.16003%204.63H8.91003Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M2.53003%205.42L2.73003%205.61L2.65003%205.92L2.86003%205.73L3.06003%205.92L2.98003%205.61L3.19003%205.42H2.93003L2.86003%205.11L2.78003%205.42H2.53003Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.94006%205.42L4.15006%205.61L4.07006%205.92L4.27006%205.73L4.48006%205.92L4.40006%205.61L4.60006%205.42H4.35006L4.27006%205.11L4.20006%205.42H3.94006Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M5.35999%205.42L5.56999%205.61L5.48998%205.92L5.68999%205.73L5.89999%205.92L5.81999%205.61L6.01999%205.42H5.76999L5.68999%205.11L5.60999%205.42H5.35999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.78003%205.42L6.98003%205.61L6.91003%205.92L7.11003%205.73L7.31003%205.92L7.24003%205.61L7.44003%205.42H7.19003L7.11003%205.11L7.03003%205.42H6.78003Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.20007%205.42L8.40007%205.61L8.32007%205.92L8.53007%205.73L8.73007%205.92L8.65007%205.61L8.86007%205.42H8.61007L8.53007%205.11L8.45007%205.42H8.20007Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M1.82007%206.21L2.02007%206.4L1.94007%206.71L2.15007%206.52L2.35007%206.71L2.27007%206.4L2.48007%206.21H2.22007L2.15007%205.9L2.07007%206.21H1.82007Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.23999%206.21L3.43999%206.4L3.35999%206.71L3.56999%206.52L3.76999%206.71L3.68999%206.4L3.88999%206.21H3.63999L3.56999%205.9L3.48999%206.21H3.23999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M4.65002%206.21L4.86002%206.4L4.78002%206.71L4.98002%206.52L5.19002%206.71L5.11002%206.4L5.31002%206.21H5.06002L4.98002%205.9L4.91002%206.21H4.65002Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.07007%206.21L6.28007%206.4L6.20007%206.71L6.40007%206.52L6.61007%206.71L6.53007%206.4L6.73007%206.21H6.48007L6.40007%205.9L6.32007%206.21H6.07007Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M7.48999%206.21L7.68999%206.4L7.61999%206.71L7.81999%206.52L8.01999%206.71L7.94999%206.4L8.14999%206.21H7.89999L7.81999%205.9L7.73999%206.21H7.48999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.91003%206.21L9.11003%206.4L9.03003%206.71L9.24003%206.52L9.44003%206.71L9.36003%206.4L9.57003%206.21H9.32003L9.24003%205.9L9.16003%206.21H8.91003Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M2.54004%207L2.75004%207.19L2.67004%207.5L2.87004%207.31L3.08004%207.5L3.00004%207.19L3.20004%207H2.95004L2.87004%206.69L2.80004%207H2.54004Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.96008%207L4.17008%207.19L4.09008%207.5L4.29008%207.31L4.50008%207.5L4.42008%207.19L4.62008%207H4.37008L4.29008%206.69L4.21008%207H3.96008Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M5.38%207L5.58%207.19L5.51%207.5L5.71%207.31L5.91%207.5L5.84%207.19L6.04%207H5.79L5.71%206.69L5.63%207H5.38Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.80005%207L7.00005%207.19L6.92005%207.5L7.13005%207.31L7.33005%207.5L7.25005%207.19L7.46005%207H7.21005L7.13005%206.69L7.05005%207H6.80005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.22009%207L8.42009%207.19L8.34009%207.5L8.55009%207.31L8.75009%207.5L8.67009%207.19L8.88009%207H8.62009L8.55009%206.69L8.47009%207H8.22009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M1.84009%207.78L2.04009%207.97L1.96009%208.28L2.17009%208.09L2.37009%208.28L2.29009%207.97L2.50009%207.78H2.25009L2.17009%207.47L2.09009%207.78H1.84009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.26001%207.78L3.46001%207.97L3.38001%208.28L3.59001%208.09L3.79001%208.28L3.71001%207.97L3.92001%207.78H3.66001L3.59001%207.47L3.51001%207.78H3.26001Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M4.68005%207.78L4.88005%207.97L4.80005%208.28L5.00005%208.09L5.21005%208.28L5.13005%207.97L5.33005%207.78H5.08005L5.00005%207.47L4.93005%207.78H4.68005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.09009%207.78L6.30009%207.97L6.22009%208.28L6.42009%208.09L6.63009%208.28L6.55009%207.97L6.75009%207.78H6.50009L6.42009%207.47L6.35009%207.78H6.09009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M7.51001%207.78L7.72001%207.97L7.64001%208.28L7.84001%208.09L8.04001%208.28L7.97001%207.97L8.17001%207.78H7.92001L7.84001%207.47L7.76001%207.78H7.51001Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.93005%207.78L9.13005%207.97L9.06005%208.28L9.26005%208.09L9.46005%208.28L9.39005%207.97L9.59005%207.78H9.34005L9.26005%207.47L9.18005%207.78H8.93005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M1.8501%209.33L2.0601%209.52L1.9801%209.83L2.1801%209.64L2.3901%209.83L2.3101%209.52L2.5101%209.33H2.2601L2.1801%209.02L2.1001%209.33H1.8501Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.27002%209.33L3.47002%209.52L3.40002%209.83L3.60002%209.64L3.80002%209.83L3.73002%209.52L3.93002%209.33H3.68002L3.60002%209.02L3.52002%209.33H3.27002Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M4.69006%209.33L4.89006%209.52L4.81006%209.83L5.02006%209.64L5.22006%209.83L5.14006%209.52L5.35006%209.33H5.10006L5.02006%209.02L4.94006%209.33H4.69006Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.10999%209.33L6.30999%209.52L6.22999%209.83L6.43999%209.64L6.63999%209.83L6.55999%209.52L6.76999%209.33H6.50999L6.43999%209.02L6.35999%209.33H6.10999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M7.52002%209.33L7.73002%209.52L7.65002%209.83L7.85002%209.64L8.06002%209.83L7.98002%209.52L8.18002%209.33H7.93002L7.85002%209.02L7.78002%209.33H7.52002Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.94006%209.33L9.15006%209.52L9.07006%209.83L9.27006%209.64L9.48006%209.83L9.40006%209.52L9.60006%209.33H9.35006L9.27006%209.02L9.19006%209.33H8.94006Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M1.83008%2010.9L2.04008%2011.09L1.96008%2011.4L2.16008%2011.21L2.37008%2011.4L2.29008%2011.09L2.49008%2010.9H2.24008L2.16008%2010.59L2.09008%2010.9H1.83008Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.25%2010.9L3.46%2011.09L3.38%2011.4L3.58%2011.21L3.79%2011.4L3.71%2011.09L3.91%2010.9H3.66L3.58%2010.59L3.5%2010.9H3.25Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M4.67004%2010.9L4.87004%2011.09L4.80004%2011.4L5.00004%2011.21L5.20004%2011.4L5.13004%2011.09L5.33004%2010.9H5.08004L5.00004%2010.59L4.92004%2010.9H4.67004Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.09009%2010.9L6.29009%2011.09L6.22009%2011.4L6.42009%2011.21L6.62009%2011.4L6.54009%2011.09L6.75009%2010.9H6.50009L6.42009%2010.59L6.34009%2010.9H6.09009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M7.51001%2010.9L7.71001%2011.09L7.63001%2011.4L7.84001%2011.21L8.04001%2011.4L7.96001%2011.09L8.17001%2010.9H7.91001L7.84001%2010.59L7.76001%2010.9H7.51001Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.93005%2010.9L9.13005%2011.09L9.05005%2011.4L9.26005%2011.21L9.46005%2011.4L9.38005%2011.09L9.59005%2010.9H9.33005L9.26005%2010.59L9.18005%2010.9H8.93005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M2.55005%208.55L2.75005%208.74L2.67005%209.05L2.88005%208.86L3.08005%209.05L3.00005%208.74L3.21005%208.55H2.96005L2.88005%208.24L2.80005%208.55H2.55005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.97009%208.55L4.17009%208.74L4.09009%209.05L4.30009%208.86L4.50009%209.05L4.42009%208.74L4.63009%208.55H4.37009L4.30009%208.24L4.22009%208.55H3.97009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M5.38%208.55L5.59%208.74L5.51%209.05L5.71%208.86L5.92%209.05L5.84%208.74L6.04%208.55H5.79L5.71%208.24L5.64%208.55H5.38Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.80005%208.55L7.01005%208.74L6.93005%209.05L7.13005%208.86L7.34005%209.05L7.26005%208.74L7.46005%208.55H7.21005L7.13005%208.24L7.05005%208.55H6.80005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.22009%208.55L8.42009%208.74L8.35009%209.05L8.55009%208.86L8.75009%209.05L8.68009%208.74L8.88009%208.55H8.63009L8.55009%208.24L8.47009%208.55H8.22009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M2.54004%2010.11L2.75004%2010.3L2.67004%2010.62L2.87004%2010.42L3.08004%2010.62L3.00004%2010.3L3.20004%2010.11H2.95004L2.87004%209.8L2.80004%2010.11H2.54004Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.96008%2010.11L4.17008%2010.3L4.09008%2010.62L4.29008%2010.42L4.50008%2010.62L4.42008%2010.3L4.62008%2010.11H4.37008L4.29008%209.8L4.21008%2010.11H3.96008Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M5.38%2010.11L5.58%2010.3L5.51%2010.62L5.71%2010.42L5.91%2010.62L5.84%2010.3L6.04%2010.11H5.79L5.71%209.8L5.63%2010.11H5.38Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.80005%2010.11L7.00005%2010.3L6.92005%2010.62L7.13005%2010.42L7.33005%2010.62L7.25005%2010.3L7.46005%2010.11H7.21005L7.13005%209.8L7.05005%2010.11H6.80005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.22009%2010.11L8.42009%2010.3L8.34009%2010.62L8.55009%2010.42L8.75009%2010.62L8.67009%2010.3L8.88009%2010.11H8.62009L8.55009%209.8L8.47009%2010.11H8.22009Z%22%20fill%3D%22white%22%20%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%22clipUS%22%3E%3Crect%20width%3D%2224%22%20height%3D%2224%22%20fill%3D%22white%22%20%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E)NerdWallet USA](https://www.nerdwallet.com/) \\| [![CA](data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2224%22%20height%3D%2224%22%20viewBox%3D%220%200%2024%2024%22%20fill%3D%22none%22%20style%3D%22transform%3AtranslateY$3px$%22%3E%3Cg%20clip-path%3D%27url$%23clipCA$%27%3E%3Cpath%20d%3D%22M22.81%201H1.42V15.58H22.81V1Z%22%20stroke%3D%22currentColor%22%20strokeMiterlimit%3D%2210%22%20strokeLinejoin%3D%22round%22%20%2F%3E%3Cpath%20d%3D%22M14.7425%2010.5472C14.7961%2010.4936%2017%208.56438%2017%208.56438L16.6245%208.40343C16.4099%208.29828%2016.4657%208.15665%2016.5172%208.03004C16.5687%207.86695%2016.9485%206.58584%2016.9485%206.58584C16.9485%206.58584%2015.9249%206.80043%2015.7103%206.85408C15.5494%206.90558%2015.4957%206.80043%2015.4421%206.69313C15.3884%206.58584%2015.1202%205.99785%2015.1202%205.99785C15.1202%205.99785%2013.9914%207.28326%2013.9378%207.33476C13.7232%207.49571%2013.5064%207.33476%2013.5601%207.12017C13.5601%206.90558%2014.1524%204.33906%2014.1524%204.33906C14.1524%204.33906%2013.5064%204.71245%2013.2918%204.81974C13.1309%204.92704%2013.0215%204.92704%2012.9142%204.71245C12.8047%204.5515%2011.9979%203%2011.9979%203C11.9979%203%2011.1931%204.5515%2011.0858%204.71245C10.9785%204.92704%2010.8712%204.92704%2010.7082%204.81974C10.4936%204.71245%209.84764%204.33906%209.84764%204.33906C9.84764%204.33906%2010.4399%206.90558%2010.4399%207.12017C10.4936%207.33476%2010.279%207.49571%2010.0622%207.33476C10.0086%207.28112%208.87983%205.99785%208.87983%205.99785C8.87983%205.99785%208.61159%206.58369%208.55794%206.69099C8.50429%206.79828%208.45064%206.90343%208.2897%206.85193C8.07296%206.79828%207.0515%206.58369%207.0515%206.58369C7.0515%206.58369%207.42918%207.86481%207.48283%208.0279C7.53433%208.15665%207.59013%208.29614%207.37554%208.40129L7%208.56438C7%208.56438%209.20172%2010.4936%209.25751%2010.5472C9.36695%2010.6545%209.4721%2010.7082%209.36695%2011.03C9.25751%2011.3519%209.15021%2011.7833%209.15021%2011.7833C9.15021%2011.7833%2011.1931%2011.3519%2011.4099%2011.2983C11.5966%2011.279%2011.8026%2011.3519%2011.8026%2011.5665C11.8026%2011.7811%2011.6781%2013.9871%2011.6781%2013.9871H12.3219C12.3219%2013.9871%2012.1974%2011.7833%2012.1974%2011.5665C12.1974%2011.3498%2012.4013%2011.279%2012.5923%2011.2983C12.8069%2011.3519%2014.8498%2011.7833%2014.8498%2011.7833C14.8498%2011.7833%2014.7425%2011.3519%2014.6352%2011.03C14.5279%2010.7082%2014.6352%2010.6545%2014.7425%2010.5472Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Crect%20x%3D%221%22%20y%3D%221%22%20width%3D%225%22%20height%3D%2215%22%20fill%3D%22currentColor%22%20%2F%3E%3Crect%20x%3D%2218%22%20y%3D%221%22%20width%3D%225%22%20height%3D%2215%22%20fill%3D%22currentColor%22%20%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%27clipCA%27%3E%3Crect%20width%3D%2228%22%20height%3D%2220%22%20fill%3D%22currentColor%22%20%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E)NerdWallet CA](https://www.nerdwallet.com/ca) © 2026 NerdWallet, Inc. All Rights Reserved. [![X](data:image/svg+xml;base64,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)](https://twitter.com/NerdWallet)[![YouTube](data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2230%22%20height%3D%2230%22%20viewBox%3D%220%200%2030%2030%22%20fill%3D%22none%22%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M4%200C1.79089%200%200%201.79102%200%204V26C0%2028.209%201.79089%2030%204%2030H26C28.2091%2030%2030%2028.209%2030%2026V4C30%201.79102%2028.2091%200%2026%200H4ZM24.9664%208.99023C25.031%209.12842%2025.0836%209.27246%2025.1234%209.4209C25.5618%2011.0591%2025.5618%2014.481%2025.5618%2014.481C25.5618%2014.481%2025.5618%2017.9028%2025.1234%2019.5415C24.8821%2020.4458%2024.1719%2021.1587%2023.2672%2021.3999C21.6289%2021.8403%2015.0618%2021.8403%2015.0618%2021.8403C15.0618%2021.8403%208.49451%2021.8403%206.8562%2021.3999C5.95386%2021.1587%205.24146%2020.4458%205%2019.5415C4.56177%2017.9028%204.56177%2014.481%204.56177%2014.481C4.56177%2014.481%204.56177%2011.0591%205%209.41846C5.11914%208.97314%205.35339%208.56689%205.6792%208.24072C6.005%207.91455%206.41101%207.67969%206.8562%207.56006C8.49451%207.12158%2015.0618%207.12158%2015.0618%207.12158C15.0618%207.12158%2021.6289%207.12158%2023.2672%207.5625C23.7123%207.68262%2024.1179%207.91748%2024.4437%208.24365C24.6609%208.46094%2024.8374%208.71387%2024.9664%208.99023ZM18.4133%2014.4575L12.9758%2011.3403V17.6216L18.4133%2014.4575Z%22%20fill%3D%22black%22%20%2F%3E%3C%2Fsvg%3E)](https://www.youtube.com/@nerdwallet)[![Instagram](data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2230%22%20height%3D%2230%22%20viewBox%3D%220%200%2030%2030%22%20fill%3D%22none%22%3E%3Crect%20width%3D%2230%22%20height%3D%2230%22%20rx%3D%224%22%20fill%3D%22black%22%20%2F%3E%3Cpath%20fillRule%3D%22evenodd%22%20clipRule%3D%22evenodd%22%20d%3D%22M11.2902%206.0543C12.2501%206.01036%2012.5566%206%2015.0007%206L14.9993%206.00143C17.4434%206.00143%2017.7514%206.01215%2018.7091%206.05573C19.6668%206.09931%2020.322%206.25149%2020.8935%206.47368C21.4943%206.7%2022.0384%207.0545%2022.4882%207.5125C22.9459%207.96206%2023.3%208.50601%2023.526%209.10645C23.7485%209.67802%2023.9003%2010.3296%2023.9443%2011.2895C23.9882%2012.2493%2023.9986%2012.5558%2023.9986%2015C23.9986%2017.4442%2023.9879%2017.7528%2023.9443%2018.7105C23.9007%2019.6683%2023.7485%2020.3234%2023.526%2020.895C23.0587%2022.1043%2022.1028%2023.0602%2020.8935%2023.5274C20.322%2023.7499%2019.6704%2023.9018%2018.7105%2023.9457C17.7507%2023.9896%2017.4442%2024%2015%2024C12.5558%2024%2012.2472%2023.9893%2011.2895%2023.9457C10.3317%2023.9021%209.67659%2023.7499%209.10503%2023.5274C8.50427%2023.3013%207.96006%2022.9469%207.51036%2022.4889C7.0527%2022.0393%206.69845%2021.4954%206.47226%2020.895C6.25006%2020.3234%206.09824%2019.6711%206.0543%2018.7112C6.01036%2017.7514%206%2017.4449%206%2015.0007C6%2012.5566%206.01072%2012.2486%206.0543%2011.2909C6.09788%2010.3332%206.25006%209.67802%206.47226%209.10645C6.69836%208.50581%207.05261%207.96164%207.51036%207.51179C7.96021%207.05404%208.50438%206.69979%209.10503%206.47368C9.67659%206.25149%2010.3303%206.09824%2011.2902%206.0543ZM18.6359%207.67541C17.6867%207.63219%2017.4024%207.6229%2014.9993%207.6229L15.0007%207.62147C12.5977%207.62147%2012.3133%207.63076%2011.3641%207.67398C10.4868%207.71399%2010.0103%207.86046%209.69304%207.9837C9.30167%208.1278%208.94765%208.35792%208.65708%208.65708C8.35792%208.94765%208.1278%209.30167%207.9837%209.69304C7.86046%2010.0103%207.71399%2010.4868%207.67398%2011.3641C7.63076%2012.3133%207.62147%2012.5977%207.62147%2015.0007C7.62147%2017.4038%207.63076%2017.6882%207.67398%2018.6373C7.71399%2019.5147%207.86046%2019.9912%207.9837%2020.3084C8.1278%2020.6998%208.35792%2021.0538%208.65708%2021.3444C8.94765%2021.6435%209.30167%2021.8737%209.69304%2022.0178C10.0103%2022.141%2010.4868%2022.2875%2011.3641%2022.3275C12.3129%2022.3707%2012.5977%2022.38%2015.0007%2022.38C17.4038%2022.38%2017.6885%2022.3707%2018.6373%2022.3275C19.5147%2022.2875%2019.9912%2022.141%2020.3084%2022.0178C21.093%2021.7147%2021.7133%2021.0945%2022.0163%2020.3099C22.1396%2019.9926%2022.286%2019.5161%2022.326%2018.6387C22.3693%2017.6896%2022.3786%2017.4052%2022.3786%2015.0022C22.3786%2012.5991%2022.3693%2012.3147%2022.326%2011.3656C22.286%2010.4882%2022.1396%2010.0117%2022.0163%209.69447C21.8722%209.3031%2021.6421%208.94908%2021.343%208.6585C21.0524%208.35935%2020.6984%208.12923%2020.307%207.98513C19.9898%207.86189%2019.5132%207.71542%2018.6359%207.67541Z%22%20fill%3D%22%23FFF7EA%22%20%2F%3E%3Cpath%20fillRule%3D%22evenodd%22%20clipRule%3D%22evenodd%22%20d%3D%22M10.3782%2015.0007C10.3782%2012.4486%2012.4471%2010.3796%2014.9993%2010.3796C16.2249%2010.3795%2017.4003%2010.8664%2018.267%2011.733C19.1336%2012.5997%2019.6205%2013.7751%2019.6204%2015.0007C19.6204%2017.5529%2017.5514%2019.6218%2014.9993%2019.6218C12.4471%2019.6218%2010.3782%2017.5529%2010.3782%2015.0007ZM11.9985%2015.0008C11.9985%2016.658%2013.342%2018.0015%2014.9992%2018.0015C15.7951%2018.0015%2016.5583%2017.6853%2017.1211%2017.1226C17.6838%2016.5598%2018%2015.7966%2018%2015.0008C18%2013.3435%2016.6565%2012.0001%2014.9992%2012.0001C13.342%2012.0001%2011.9985%2013.3435%2011.9985%2015.0008Z%22%20fill%3D%22%23FFF7EA%22%20%2F%3E%3Cpath%20fillRule%3D%22evenodd%22%20clipRule%3D%22evenodd%22%20d%3D%22M19.8033%2011.2766C20.3997%2011.2766%2020.8832%2010.7931%2020.8832%2010.1967C20.8832%209.60031%2020.3997%209.11682%2019.8033%209.11682C19.2069%209.11682%2018.7234%209.60031%2018.7234%2010.1967C18.7234%2010.7931%2019.2069%2011.2766%2019.8033%2011.2766Z%22%20fill%3D%22%23FFF7EA%22%20%2F%3E%3C%2Fsvg%3E)](https://www.instagram.com/NerdWallet/)[![Apple Podcasts](data:image/svg+xml,%3Csvg%20width%3D%2230%22%20height%3D%2230%22%20viewBox%3D%220%200%2030%2030%22%20fill%3D%22none%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%3Cg%20clip-path%3D%22url$%23clip0_20079_6302$%22%3E%3Cpath%20d%3D%22M25.9209%200.108887H4.08039C1.88726%200.108887%200.109375%201.88677%200.109375%204.0799V25.9205C0.109375%2028.1136%201.88726%2029.8915%204.08039%2029.8915H25.9209C28.1141%2029.8915%2029.892%2028.1136%2029.892%2025.9205V4.0799C29.892%201.88677%2028.1141%200.108887%2025.9209%200.108887Z%22%20fill%3D%22black%22%2F%3E%3Cpath%20d%3D%22M15%2019.5C16.1931%2019.4988%2017.337%2019.0243%2018.1806%2018.1806C19.0243%2017.337%2019.4988%2016.1931%2019.5%2015V9C19.5%207.80653%2019.0259%206.66193%2018.182%205.81802C17.3381%204.97411%2016.1935%204.5%2015%204.5C13.8065%204.5%2012.6619%204.97411%2011.818%205.81802C10.9741%206.66193%2010.5%207.80653%2010.5%209V15C10.5012%2016.1931%2010.9757%2017.337%2011.8194%2018.1806C12.663%2019.0243%2013.8069%2019.4988%2015%2019.5ZM12%209C12%208.20435%2012.3161%207.44129%2012.8787%206.87868C13.4413%206.31607%2014.2044%206%2015%206C15.7957%206%2016.5587%206.31607%2017.1213%206.87868C17.6839%207.44129%2018%208.20435%2018%209V15C18%2015.7957%2017.6839%2016.5587%2017.1213%2017.1213C16.5587%2017.6839%2015.7957%2018%2015%2018C14.2044%2018%2013.4413%2017.6839%2012.8787%2017.1213C12.3161%2016.5587%2012%2015.7957%2012%2015V9ZM15.75%2022.4625V24.75C15.75%2024.9489%2015.671%2025.1397%2015.5303%2025.2803C15.3897%2025.421%2015.1989%2025.5%2015%2025.5C14.8011%2025.5%2014.6103%2025.421%2014.4697%2025.2803C14.329%2025.1397%2014.25%2024.9489%2014.25%2024.75V22.4625C12.4009%2022.2743%2010.6873%2021.4072%209.44048%2020.0288C8.19368%2018.6504%207.50228%2016.8586%207.5%2015C7.5%2014.8011%207.57902%2014.6103%207.71967%2014.4697C7.86032%2014.329%208.05109%2014.25%208.25%2014.25C8.44891%2014.25%208.63968%2014.329%208.78033%2014.4697C8.92098%2014.6103%209%2014.8011%209%2015C9%2016.5913%209.63214%2018.1174%2010.7574%2019.2426C11.8826%2020.3679%2013.4087%2021%2015%2021C16.5913%2021%2018.1174%2020.3679%2019.2426%2019.2426C20.3679%2018.1174%2021%2016.5913%2021%2015C21%2014.8011%2021.079%2014.6103%2021.2197%2014.4697C21.3603%2014.329%2021.5511%2014.25%2021.75%2014.25C21.9489%2014.25%2022.1397%2014.329%2022.2803%2014.4697C22.421%2014.6103%2022.5%2014.8011%2022.5%2015C22.4977%2016.8586%2021.8063%2018.6504%2020.5595%2020.0288C19.3127%2021.4072%2017.5991%2022.2743%2015.75%2022.4625Z%22%20fill%3D%22white%22%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%22clip0_20079_6302%22%3E%3Crect%20width%3D%2230%22%20height%3D%2230%22%20fill%3D%22white%22%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E)](https://play.megaphone.fm/xcr_lszorm-uiidw0pl5eq)[![TikTok](data:image/svg+xml;base64,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)](https://www.tiktok.com/@nerdwallet?lang=en) ![](https://bat.bing.com/action/0?ti=5000528&Ver=2)
Readable Markdown	When you invest in a stock, you’re hoping the company grows and performs well over time. That's how you end up making money. One of the best ways for beginners to learn is to open an online investment account and buy stocks through it. You don't need a lot of money to start. Many brokerages allow you to open an investing account with \$0, though you'll need some money to actually start investing. Even small amounts — \$10 or \$20 — will do. Some brokers also offer [paper trading](https://www.nerdwallet.com/investing/best/brokers-paper-trading), which lets you learn how to buy and sell with stock market simulators before you invest any real money. How to invest in stocks To invest in stocks, open an online brokerage account, add money to the account, and purchase stocks or stock-based funds from there. While these steps cover DIY investing, you can also invest in stocks through a financial advisor or a robo-advisor (more on that later). Step 1. Choose a broker To invest in stocks, you'll first need to figure out which broker you want to open an account with. (Not sure how to do this? Read our guide on [how to open a brokerage account](https://www.nerdwallet.com/investing/learn/what-is-how-to-open-brokerage-account).) Some brokers, like Fidelity, are famous for their many years in business and 24/7 customer support. Others, like Robinhood, are known for their easy-to-use platforms and apps. You'll want to evaluate brokers based on factors like costs, investment selection, investor research, tools and customer service access. Maybe you'll want to open a brokerage account where you already have a bank account, which can help you see all your finances in one place. \| Brokerage firms \| \| \|---\|---\| \| [![Charles Schwab](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/investing/logos/CharlesTrial.png)](https://www.nerdwallet.com/redirect/61fabd58-44eb-11e8-9c02-fb51e6eec6b5?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=product_image&finish_type=external_application&impression_position=0&impression_section=mini_product_card) [NerdWallet rating](https://www.nerdwallet.com/investing/reviews/schwab-brokerage "Read review") [Learn more](https://www.nerdwallet.com/redirect/61fabd58-44eb-11e8-9c02-fb51e6eec6b5?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=apply_now_button&finish_type=external_application&impression_position=0&impression_section=mini_product_card) on Charles Schwab's website \| [![E\TRADE](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/investing/logos/etrade_ms.png)](https://www.nerdwallet.com/redirect/61f673ba-44eb-11e8-9c02-9b9860598c1e?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=product_image&finish_type=external_application&impression_position=0&impression_section=mini_product_card) [NerdWallet rating](https://www.nerdwallet.com/investing/reviews/etrade "Read review") [Learn more](https://www.nerdwallet.com/redirect/61f673ba-44eb-11e8-9c02-9b9860598c1e?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=apply_now_button&finish_type=external_application&impression_position=0&impression_section=mini_product_card) on E\TRADE's website \| \| [![Vanguard](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/investing/logos/vanglogo.png)](https://www.nerdwallet.com/redirect/61f78eb2-44eb-11e8-9c02-eb58816e8aeb?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=product_image&finish_type=external_application&impression_position=0&impression_section=mini_product_card) [NerdWallet rating](https://www.nerdwallet.com/investing/reviews/vanguard "Read review") [Learn more](https://www.nerdwallet.com/redirect/61f78eb2-44eb-11e8-9c02-eb58816e8aeb?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=apply_now_button&finish_type=external_application&impression_position=0&impression_section=mini_product_card) on Vanguard's website \| [![Fidelity](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/investing/logos/FidNewLogo.png)](https://www.nerdwallet.com/redirect/61ed8d72-44eb-11e8-9c02-53658283ffc3?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=product_image&finish_type=external_application&impression_position=0&impression_section=mini_product_card) [NerdWallet rating](https://www.nerdwallet.com/investing/reviews/fidelity "Read review") [Learn more](https://www.nerdwallet.com/redirect/61ed8d72-44eb-11e8-9c02-53658283ffc3?calling_deployable_name=seo-pages&calling_deployable_version=1.0.0&cta_type=apply_now_button&finish_type=external_application&impression_position=0&impression_section=mini_product_card) on Fidelity's website \| Step 2. Pick a type of investment account There are several types of investment accounts, and it's a good idea to figure out which account is right for you. For example, a [Roth IRA](https://www.nerdwallet.com/retirement/learn/what-is-a-roth-ira) offers significant tax benefits, whereas a standard brokerage account does not. You'll need to provide some personal information, including your Social Security number, and it will probably take about 15 minutes to open the account. With some brokerages, it can take a few days to connect your bank account, so you may have to wait before you can start buying investments. Keep in mind, an investment account is just an account — it's not an investment. You have to add money to it and then purchase investments from there. Good to know: If you have a 401(k) or other retirement plan at work, you may already be invested in stocks. These plans often offer a curated selection of stock and bond mutual funds. If your employer matches your contributions to that plan, you should invest enough to earn the full match before investing in stocks elsewhere. Step 3. Choose individual stocks or a stock fund Investing in the stock market doesn't have to be complicated. For most people, it means choosing between these two investment types: Stock mutual funds [Mutual funds](https://www.nerdwallet.com/investing/learn/how-to-invest-in-mutual-funds) let you purchase small pieces of many different stocks in a single transaction. Index funds and exchange-traded funds (ETFs) are two kinds of mutual funds that track an index; for example, an S\&P 500 fund replicates that index by buying the stock of the companies in it. When you invest in a fund, you also own small pieces of each of those companies. You can put several funds together to build a diversified portfolio. Note that stock mutual funds are also sometimes called equity mutual funds. Individual stocks If you’re after a specific company, you can buy a single share or a few shares as a way to dip your toe into the stock-trading waters. Building a diversified portfolio out of many individual stocks is possible, but it takes a significant investment and research. If you go this route, remember that individual stocks will have ups and downs. If you research a company and choose to invest in it, think about why you picked that company in the first place if jitters start to set in on a down day. What makes sense for most investors? The upside of stock mutual funds is that they are inherently diversified, which reduces your risk. For the vast majority of investors — particularly those who are investing their retirement savings — a portfolio made up of mostly mutual funds is the clear choice. But mutual funds are unlikely to rise in meteoric fashion as some individual stocks might. The upside of individual stocks is that a wise pick can pay off handsomely, but the odds that any individual stock will make you rich are exceedingly slim. However, it doesn't have to be all or nothing If you decide you want a good portion of your portfolio to be invested in mutual funds, that doesn't mean you have to avoid individual stocks altogether. If you want to test your luck at being an early investor in the next Google, a good compromise could be dedicating a small portion of your portfolio — say, 5% — to individual stock investing. Step 4. Set a budget New investors will want to think about two things in this step of the process: How much money do I need to start investing in stocks? The amount of money you need to buy a single stock depends on the share price. Share prices can range from just a few dollars to a few thousand dollars. Some brokerages allow you to invest with fractional shares. Simply put, that means you can choose a dollar amount to invest and own part of a share. If you want mutual funds and have a small budget, [investing in ETFs](https://www.nerdwallet.com/investing/learn/how-to-invest-in-etf-exchange-traded-fund) may be your best bet. Mutual funds often have minimums of \$1,000 or more, but ETFs trade like a stock, which means you purchase them for a share price — in some cases, less than \$100. How much money should I invest in stocks? If you’re investing through funds, you can allocate a fairly large portion of your portfolio toward stock funds, especially if you have a long time horizon. A 30-year-old investing for retirement might have 80% of their portfolio in stock funds, with the rest in bond funds (and perhaps a small portion in individual stocks). Step 5. Focus on investing for the long term Stock market investments have proven to be one of the best ways to grow long-term wealth. Over several decades, the average stock market return has been about 10% per year. However, that’s just an average across the entire market. Some years will be up, some will be down, and individual stocks will vary in their returns. For long-term investors, the stock market is a good investment no matter what’s happening day-to-day or year-to-year; they’re looking for that long-term average. The best thing to do after you start investing in stocks or mutual funds may be the hardest: Don’t look at them. Unless you’re trying to beat the odds and succeed at day trading, it’s good to avoid the habit of checking how your stocks are doing every day. Tip: When we say "long-term investing," we generally mean at least five years. That usually gives your portfolio time to ride out any market downturns. If you have a goal that's closer, check out our list of the [best short-term investments](https://www.nerdwallet.com/investing/learn/where-to-put-short-term-savings). Step 6. Manage your stock portfolio While fretting over daily fluctuations won’t do much for your portfolio’s health — or your own — there will, of course, be times when you’ll need to check in on your investments. If you follow the steps above to buy mutual funds and individual stocks over time, you’ll want to revisit your portfolio a few times a year to make sure it’s still in line with your investment goals. A few things to consider: If you’re approaching retirement, you may want to move some of your stock investments over to more conservative fixed-income investments. If your portfolio is heavily weighted in one sector or industry, consider buying stocks or funds in another sector to diversify. Pay attention to geographic diversification, too. Vanguard recommends that international stocks make up as much as 40% of the stocks in your portfolio. You can purchase international stock mutual funds to get this exposure. If DIY investing feels like too much work ... You may be a good candidate for a robo-advisor, a service that invests your money for you for a small fee. Many of the major brokerage firms and some independent companies offer these services. Similar to shopping for a broker, there are pros and cons to each. Some robo-advisors have very low fees, while others let you talk with a financial advisor if you need extra support or more personalized guidance. It's a good idea to compare robo-advisors to see which ones offer the services you need. Most robo-advisors charge about 0.25% of your account balance. Frequently Asked Questions Which stocks are the best investments for beginners? Which stocks are the best investments for beginners? How many stocks should I invest in? How many stocks should I invest in? Is now a good time to invest in stocks? Is now a good time to invest in stocks? Are investing apps safe? Are investing apps safe?
Shard	34 (laksa)
Root Hash	10009614238684002234
Unparsed URL	com,nerdwallet!www,/investing/learn/how-to-invest-in-stocks s443