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Investing in your 30s: 8 wealth-building tips

Prepare to revamp your asset allocation and explore new investment classes.

The name of the game when investing in your 30s is flexibility. Those with established portfolios will want to sit down to consolidate old accounts and reassess fees. And newbies: it’s time to start building out some short- and long-term savings goals.

How to start investing in your 20s: 7 tips for beginners

1. Establish debt and savings plans

Investments can help guide and support your financial goals but shouldn’t be taken on at the expense of existing financial responsibilities. Make time to regularly assess your finances to identify opportunities to build your savings and eliminate debt. High-interest debt, like credit card debt, should be prioritized over low-interest or tax-deductible debt, like your mortgage.
You don’t need to be debt-free to build your investments — but knowing how to allocate funds optically can empower your financial success. If you haven’t established a solid debt or savings plan yet, now’s the time.

2. Revisit existing investments

Already got a few investments accounts to your name? You’ll want to consolidate what you have before you begin branching out into new investment classes. For example, if you had a 401(k) with a past employer, you’ll want to explore your 401(k) conversion options. Or, if you’ve got some old mutual funds with your bank, consider cashing them out to pool your funds for a self-directed brokerage account. Consider whether you need a new account to meet your investing goals.

How much should you have saved by 30?

Some financial advisors suggest having the equivalent of your annual salary saved by the time you turn 30. Others argue that this estimate is too high and that even having scraped together half of your annual salary in savings puts you well on your way towards saving for retirement.
If you haven’t started budgeting for retirement yet — don’t panic. You have plenty of time to start. And if you’re looking for a solid jumping-off point, consider focusing on an emergency fund capable of covering three to six months of living expenses. Once you’ve established an emergency fund, look for opportunities in your budget to expand your margins and grow your savings goals.

3. Max out your retirement accounts

If you hold a 401(k) or IRA, consider maximizing your contributions to get the biggest tax-advantaged bang for your buck.


Employee-sponsored 401(k)s are a practical investment vehicle, as they help automate the investment process with contributions that are automatically deducted from each paycheck. Plus, if your employer matches employee contributions, you basically get free money.
Make the most of your 401(k) by contributing at least enough money to maximize your employer’s match. And if you can, bump up your contributions in tandem with any raises you receive. Annual 401(k) contribution limits are typically adjusted for inflation, so if you receive a cost-of-living salary increase, consider raising your account contributions.


If you don’t have access to a 401(k) — or want a second retirement account to complement your existing 401(k) — consider an individual retirement account (IRA). IRAs come in two flavors: traditional and Roth, although Roth IRAs tend to be the more advantageous avenue for younger investors. Why? They allow for tax-free distributions — an important distinction if you anticipate sitting in a higher tax bracket come retirement.

What if you haven’t started investing yet?

Feel like you’re late to the investing game? Don’t sweat it. It’s never too late to get started, and there are plenty of options for 30- and 40-somethings exploring investments for the first time.
To get the ball rolling as a late bloomer, start investigating your retirement account options. The tax advantages of these accounts can’t be understated and can have a big impact on your retirement distributions. Outside retirement accounts, explore budgeting apps to identify opportunities to cut costs and ramp up your savings. You may be able to make up for lost time by doubling down on your efforts to build a nest egg.

4. Make sure your brokerage account still fits

Once you’re in your 30s, you may want to circle back to your existing brokerage account — if you have one. Trading fees and research offerings have changed drastically over the past five years as new brokers opened up shop and existing brokers scrambled to compete.
Revisit your existing investments and compare your platform’s fees and features with the top brokers on the market. Consider the following as you review competing brokers.

  • Fees. In the wake of Robinhood’s commission-free pricing model, most platforms have shifted to commission-free trades. But be on the lookout for fees when trading derivatives and mutual funds.
  • Available securities. Are you keen to add some fresh asset classes to your portfolio? Maybe you plan to branch out into more niche investments, like forex or crypto. If your current platform can’t cater to your trading goals, review what other platforms have on tap.
  • Research tools. New traders will want to stick with beginner-friendly platforms, like SoFi, while those ready to perform their own research may want a more advanced platform, like Interactive Brokers.
  • Customer support. Customer support options vary widely by platform. So if you’re new to trading and anticipate needing assistance, opt for a platform with 24-hour support, like Fidelity.

The right platform for your portfolio depends on your long-term financial goals and how hands-on you’d like to be with your investments. And keep in mind that if you plan to jump ship, most brokers charge account transfer fees between $50 to $75.

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Our pick for automated investing: M1 Finance

  • Customizable investment strategies
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  • Commission-free stock & ETF trades and zero management fees (other fees may apply)

5. Adjust your asset allocation

Think of your asset allocation strategy as a living, breathing entity. It should never remain static and should be reevaluated multiple times over the course of your investing journey.
The longer your time horizon, the more risk you can afford to take. That said, the asset allocation strategy of a 30-year-old will look different than that of a 20-year-old. If you started investing in your 20s, now is the time to reassess your asset allocation. (If you didn’t start in your 20s, you might also take a look at the information in “How to start investing in your 20s: 7 tips for beginners.”)
Advisors encourage 30-somethings to split their funds between high-growth securities, like stocks, and safer, more consistent securities, like bonds. The right balance depends on your risk tolerance, but you’ll want to aim for something in the neighborhood of 75% to 80% high-growth assets and 20% to 25% conservative assets.

Compare stock trading platforms

As you navigate investing in your 30s, consider adding stocks to the mix. Trading platforms make it easier than ever, but do you homework and choose the best platform for your needs.

1 - 6 of 6
Name Product Ratings Available asset types Minimum deposit Cash sweep APY Signup bonus
SoFi Invest®
Finder Score: 4.2 / 5: ★★★★★
SoFi Invest®
Stocks, Mutual funds, ETFs, Alternatives
Get up to $1,000 in stock
Commission-free stocks, ETFs and options, with no options per-contract fees. Plus, a no-cost robo-advisor and complimentary access to certified financial planners (CFPs).
Finder Score: 4.4 / 5: ★★★★★
Stocks, Options, ETFs, Cryptocurrency, Futures, Treasury Bills
Get $50-$5,000
Competitive, capped options commissions, with a reliable trading platform designed for serious traders.
Finder Score: 4.4 / 5: ★★★★★
Stocks, Options, ETFs, Cryptocurrency
Get a free stock
Trade stocks, options, ETFs and crypto without commissions and on a user-friendly platform. Plus, a 1% IRA match and no options contract fees.
Finder Score: 4.2 / 5: ★★★★★
Stocks, Bonds, Options, ETFs, Cryptocurrency, Alternatives, Treasury Bills, High-yield cash account
Get up to $10,000 and transfer fees covered
Build a diversified portfolio of stocks, bonds, options, ETFs, crypto and alternative assets, with a high-yield cash account and options contract rebates.
Finder Score: 4.7 / 5: ★★★★★
Stocks, Options, ETFs
Up to 8.10%
Choose a 1.5% match or up to 15 free fractional shares
No commission stock, ETF and options trades, with $0 equity options contract fees, low margin rates and advanced trading tools.
E*TRADE from Morgan Stanley
Finder Score: 4.2 / 5: ★★★★★
E*TRADE from Morgan Stanley
Stocks, Bonds, Options, Mutual funds, ETFs, CDs, Futures
0.01% to 0.15%
Get up to $1,000
terms apply
$0 commissions on US-listed stocks, ETFs, mutual funds and options, with powerful, easy-to-use tools and complimentary market research.

6. Explore real estate investments

When it comes to investments, diversification is always the name of the game. A handful of stocks, bonds and funds is pretty standard fare for most investors. But as you age, you may want to consider branching out into more unique asset classes, like real estate.
An investment in real estate can take many forms, and the right pick for your portfolio depends on how hands-on of an investor you want to be.

  • Mutual funds. Real estate mutual funds are accessible, liquid and fairly low commitment — at least as far as real estate investments go. They can be traded through a self-directed brokerage account.
  • REITs. Real estate investment trusts allow investors to back companies that buy and operate income properties, like office buildings, hotels and apartment complexes. REITs trade on major exchanges and are also accessible through a self-directed brokerage account.
  • Crowdfunding. Crowdfunding platforms connect investors with real estate development projects. You can invest in a real estate project through debt or equity and typically receive monthly or quarterly distributions for the term of the investment. Popular platforms include Fundrise and CrowdStreet.
  • RELPs. Real estate limited partnerships help investors finance real estate projects managed by real estate development firms or property managers. To invest, you must find a real estate development firm accepting investors. If accepted, you become a limited partner with a partial ownership stake in the property.
  • REIGs. Real estate investment groups open the door for investors to purchase one or more property units across a set of buildings — usually apartment complexes. The REIG operates the units on your behalf and is responsible for managing tenants, but your name is on the lease. You pay a portion of your owed rent to the REIG to cover maintenance costs.
  • Rental properties. If you want full control over your investment, consider purchasing property and becoming a landlord. You’ll be responsible for the mortgage, property taxes, building maintenance and any dilemmas that arise with tenants. But you’ll generate rental income, and many properties appreciate in value over time.

7. Revamp your financial goals

Over the past decade, it’s quite likely that your financial circumstances have changed. Investing at 30 will look different than investing at 20 because you likely have more on your plate: more capital, more debt, more expenses — just, more. Maybe you bought a house. Maybe you got married, started a business, had children — the exact circumstances aren’t as important as taking the time to sit down and address what’s changed. If you start saving for college when a child is in diapers, for example, you may avoid some disappointment when high school graduation comes around.
Don’t be afraid to scale your financial objectives in response to major life events. There’s something to be said for committing to your goals, but plowing heedlessly forward in the face of life-changing news may not be wise — or realistic. That includes, yes, life insurance if people are now counting on having you around. It’s not pleasant to plan for, but stuff happens.
Sit down with someone you trust, whether it be a friend, partner, family member or financial advisor, to reassess your short- and long-term financial goals.

8. Monitor your investments

Stay on top of your portfolio’s performance by regularly reviewing your investments. The frequency with which you revisit your portfolio depends on your trading strategy.
Active investors who execute frequent trades may want to check in once per week — or even once per day if monitoring volatile stocks. Passive investors that rely on robo-advisors or portfolio managers may not need to maintain the same level of vigilance. Even checking in once per quarter should suffice.
But be warned: over-monitoring your accounts can be problematic. Financial experts suggest that too-frequent checking can lead to loss-inducing impulse trades.

Bottom line

Whether you’re new to investing or have an existing portfolio, there are numerous steps you can take to streamline your financial goals and strengthen your returns. Review your investment options to keep your portfolio fresh, flexible and resilient.

Frequently asked questions

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Written by

Shannon Terrell

Shannon Terrell is a lead writer and spokesperson at NerdWallet and a former editor at Finder, specializing in personal finance. Her writing and analysis on investing and banking has been featured in Bloomberg, Global News, Yahoo Finance, GoBankingRates and Black Enterprise. She holds a bachelor’s degree in communications and English literature from the University of Toronto Mississauga. See full profile

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