There are tons of investing apps to choose from, but trusting one is all you need. With so many apps promising low fees, smart automation, or commission-free trading, how do you know which one fits you best?

We break down the top five investing apps for 2026 based on real-world usage. Let’s count down from #5 to #1 and highlight what each app does best, what it will cost you, and who it’s really made for.

#5. Robinhood

Robinhood made investing feel as simple as scrolling on social media. The app is clean and beginner-friendly, and it gives you access to stocks, ETFs, crypto, and even options.

One main reason we put it on the list is that it offers zero commission fees. You can even buy a small slice of expensive stocks (hello, Amazon or Tesla) thanks to fractional shares.

Best for

Robinhood is best suited for individuals just starting to invest, especially if you’re curious about stocks or cryptocurrency and want a user-friendly platform.

It’s a great platform to get your feet wet, but if you’re thinking long-term (like retirement or serious wealth-building), you’ll want something more robust later on.

#4. Betterment

Betterment can act like a financial advisor in your pocket. You tell it your goals and how much risk you’re comfortable with, and it takes care of the rest. It builds a portfolio for you and keeps it balanced over time.

It also supports cash accounts and crypto portfolios and allows you to set multiple goals (such as “buy a house in 5 years” or “save for retirement”). However, you can’t choose individual stocks, and the fee starts at 0.25% a year.

Best for

Betterment is suitable for anyone who wants to invest without constantly thinking about it, especially if you’re saving for a goal like retirement or buying a home. It’s perfect if you just want to “set it and forget it.”

#3. Wealthfront

Wealthfront takes automated investing to the next level. It builds a custom portfolio for you, rebalances it automatically, and even helps reduce taxes through something called tax-loss harvesting.

You can also plan for college, retirement, or just general savings in one place. It’s packed with tools for financial planning and gives you access to accounts like IRAs, 529s, and even high-yield cash savings.

Best for

Wealthfront is best for people who want smart automation with flexibility. If you’re a planner who loves seeing charts and progress bars but you don’t want to manage every detail, Wealthfront is a smart choice.

#2. Charles Schwab

Charles Schwab has been around for decades, and it’s earned its reputation. It offers zero commissions on stocks and ETFs, access to mutual funds, IRAs, and even robo-advising through its Schwab Intelligent Portfolios (which comes with no advisory fees, by the way).

There’s also a ton of educational content and research tools, so if you like digging into data before you invest, Schwab has your back. However, the app isn’t as modern-looking as newer platforms. But once you get used to it, you’re working with one of the most trusted platforms out there.

Best for

Charles Schwab can be a top choice for long-term investors. It’s even better if you’re thinking about retirement or want to grow your money steadily over time. If you’re playing the long game (retirement, college savings, wealth building), Schwab is a solid, no-fuss choice.

#1. Fidelity

Fidelity does everything really well; that’s the main reason it got the spotlight. You get commission-free trading, access to retirement accounts, fractional shares, and even a robo-advisor option (called Fidelity Go) if you prefer a hands-off approach.

Their customer support is excellent, their research tools are strong, and there are no account minimums. Whether you want to trade stocks, build a retirement fund, or just start small, Fidelity meets you where you are.

Watch this explainer video from Fidelity on how to start investing with their app.

Best for

Fidelity is literally suitable for anyone, from total beginners to experienced investors looking for an all-in-one platform. It’s reliable, low-cost, beginner-friendly, and advanced-user-approved. It can be your all-in-one solution for investing in 2026 and beyond.

In a nutshell, here’s a clearer comparison between all the apps mentioned above:

How to Choose the Best Investing Platform for You

With so many apps out there, it’s easy to feel overwhelmed. The truth is, there’s no single “best” platform for everyone. It all comes down to what you want to achieve and how involved you want to be. Here are a few key questions to help you pick the right one:

What Are Your Goals?

Before you even think about which app to download, take a step back and ask yourself: Why am I investing in the first place? Your goals will shape everything, from the kind of platform you need to the features you should prioritize.

For example, if you’re saving up for something big down the road, like retirement, buying a house, or your child’s education, you’ll want a platform that supports long-term investment strategies.

That usually means access to things like IRAs, tax-efficient portfolios, or goal-based planning tools. In this case, Fidelity, Schwab, Betterment, and Wealthfront do really well.

On the other hand, if your goals are shorter-term or more experimental, like learning how the market works, trading a few stocks here and there, or trying out crypto, you might prefer a simpler, more flexible app like Robinhood or Webull.

Your platform should match your destination. There’s no use in choosing a high-speed trading app if all you want is to quietly grow your retirement fund in the background.

How Hands-On Do You Want to Be?

Some people love checking stock charts and making trades. If you like to log into an app to check charts, research companies, and make your own trades, you want an app that gives you full control.

Robinhood, Webull, Fidelity, and Schwab are great choices for that. These apps let you pick individual stocks, trade options, or buy into ETFs whenever you like. But what if you don’t like to do all the hassle?

If the idea of researching the market or constantly monitoring your portfolio sounds exhausting, use robo-advisors like Betterment and Wealthfront. These platforms ask a few questions about your goals and risk tolerance, and then they do the heavy lifting.

What refers to heavy lifting is building a diversified portfolio, automatically adjusting it over time, and keeping you on track without needing constant input. You can have a personal financial assistant who never sleeps.

What Are You Willing to Pay?

Fees aren’t the most exciting topic, but they matter over time. The good news is that many of today’s platforms have done away with trading commissions. You can sell or buy digital assets for free on apps like Robinhood, Webull, Fidelity, and Schwab.

That said, not everything is totally free. If you’re using a robo-advisor like Betterment or Wealthfront, you’ll usually pay a small annual fee of around 0.25% of your assets for the convenience of automated investing.

It’s a fair trade if you value ease and time savings, but it’s still something to factor in. Some platforms may also charge fees for advanced features, financial advice, or certain mutual funds.

A higher fee might be worth it if it gives you access to smart portfolio management, tax benefits, or planning tools that help you stay on track. Just make sure you’re aware of what’s being taken out of your account.

How Important Is User Experience?

If an app is clunky, confusing, or just plain ugly, you’re probably not going to stick with it. User experience might not sound like a big deal upfront, but it can actually make a huge difference in how confident and consistent you feel about investing, especially when supported with clear and engaging infographic design.

An intuitive and clean interface helps you learn faster, avoid mistakes, and actually enjoy using the app. Apps like Robinhood and Wealthfront are simple, easy to navigate, and give you exactly what you need without overwhelming you.

But if you’re someone who likes having more tools, data, and flexibility at your fingertips, platforms like Fidelity and Charles Schwab offer much deeper functionality.

They’re a bit more complex, sure. But once you get the hang of it, you get access to detailed research, screening tools, and planning calculators that can really elevate your strategy.

So think about your comfort level: do you want something that just works out of the box, or are you okay with a bit of a learning curve if it means having more control down the road?

What About Trust and Reliability?

When it comes to your money, trust matters. A slick-looking app means nothing if it doesn’t protect your data, follow regulations, or provide solid customer support. That’s why platforms with a strong track record are so appealing.

Forerunners like Fidelity and Charles Schwab are heavily regulated and have millions of customers. You know they’re not going anywhere anytime soon, and that kind of stability brings peace of mind, especially when you’re investing for long-term goals.

Newer apps like Robinhood and Webull have definitely shaken things up with innovation and accessibility, but they’ve also had some bumps along the way, whether it’s service outages, trading restrictions, or concerns about how they make money.

Yet, that doesn’t necessarily mean you should avoid them, but it does mean you should do a little homework before jumping in. Check reviews, see how transparent they are about fees and security, and make sure they’re regulated in your country. Many platforms now use motion graphic content to explain complex features more clearly, making it easier for users to understand how everything works.

Final Thoughts

There’s no one-size-fits-all investing app, which is a good thing. The best platform for you really depends on your goals, how involved you want to be, and the kind of support or features you value most.

If you’re just getting started and want something intuitive, Robinhood makes it easy to dip your toes in. Meanwhile, Betterment or Wealthfront are great picks for stress-free, automated investing.

And if you’re in it for the long haul and want something solid, trusted, and versatile, Fidelity and Charles Schwab are hard to beat. Or, try out a couple of options, see what fits your style, and build from there!

But the real AI revolution in our field isn’t just about investing in AI companies. It’s about AI making investments on our behalf.

This is a complete paradigm shift. And it’s happening inside a vehicle you already know: the Exchange-traded fund. The rise of AI-driven ETFs represents a new frontier in active management, moving beyond simple quant screens and into the realm of true algorithmic decision-making.

This post will provide a practical framework for understanding and analyzing this new asset class. You’ll learn the critical difference between funds that invest in AI and funds that are AI, see exactly how these algorithmic funds use machine learning for stock selection, and gain a clear-eyed perspective on their performance, risks, and future.

The critical distinction: AI-driven vs. AI-thematic ETFs

In the rapidly expanding ETF space, “AI” is used as a marketing buzzword. This use creates a critical point of confusion that many investors, including financial news outlets, get wrong.

Your first job as an analyst is to separate the two.

(Image provided by Author)

AI-thematic funds: Investing in the AI ecosystem

This is the category most investors are familiar with. These are traditional ETFs in structure, just focused on a specific theme.

An AI-thematic fund invests in the AI ecosystem. Think of it as buying the “picks and shovels” of the AI revolution, companies that develop gen AI tools and technologies. Its top holdings will include the companies you expect:

• Companies in sectors like health care or autonomous vehicles that are using AI technologies
• Cloud providers and data centers that supply the computing power
• The semiconductor technology companies building the GPUs
• Firms in general, with a clear focus on AI research
• Developers of generative AI and AI models

According to the FinTech journal, the investment decisions in AI-themed ETFs are still made by human portfolio managers. And, their performance is driven more by asset selection than by active management strategies.

AI-driven ETFs: Using artificial intelligence for investment decisions

This is where the paradigm shifts.

In true AI-Driven ETFs, the artificial intelligence is not the investment—it’s the investor. These are almost exclusively actively managed funds (or a new era of active funds) where an AI model acts as the fund manager.

No human is making the day-to-day buy/sell calls.

While the technology offers significant advantages, it’s essential to consider the AI development cost involved in creating these sophisticated systems. A well-known example is the AI-Powered Equity ETF (AIEQ), which uses IBM Watson’s computer science capabilities to build its portfolio.

This is a fundamentally different product. You’re not betting on the AI theme; you are betting on a specific AI’s ability to beat the market. That’s what the rest of this blog post is about.

How AI-powered ETFs work: A look under the hood

So, how does AI actually manage a multi-million dollar portfolio?

It’s a scalable process that mimics, and in some ways, exceeds the workflow of a massive quantitative hedge fund.

The data advantage: Processing billions of data points

A human fund manager can read a few analyst reports, scan the headlines, and review financial statements. AI can do that for almost every listed company on earth in a fraction of the time.

AI funds are built on a “big data” premise. They scan and interpret billions of structured and unstructured data points in real-time. This includes:

• Global market conditions and economic data
• Every SEC filing and financial statement
• All financial news and press releases

It can even analyze satellite imagery of parking lots or shipping lanes.

The role of machine learning and natural language processing

Processing data is useless without interpretation. This is where machine learning (ML), Natural Language Processing (NLP), and generative AI come in.

Machine learning algorithms sift through all that data to find predictive patterns and correlations that are invisible to the human eye. It might find that a certain phrasing in a CEO’s earnings call, combined with a specific change in inventories, has preceded a stock drop 80% of the time over the past decade.

Natural Language Processing (NLP) is the engine that reads and “understands” human language. It scans millions of social media posts, news articles, and reports to gauge market sentiment. It doesn’t just count keywords; it interprets tone, sarcasm, and context to build a real-time map of investor emotion, moving far beyond traditional analyst reports.

From AI models to active stock selection

This is the final step. The AI models take all this processed data—the quantitative, the sentiment, the macro picture. And weigh it all.

The output is simple: Buy, sell, or hold.

This system effectively automates the entire stock selection process for the fund’s equity securities. It’s a form of active management executing its AI-driven strategies 24/7, free from:

• Human bias
• Greed
• Fear

Analyzing AI-driven ETFs: Strategy, performance, and risk

When analyzing AI-powered ETFs, you must be even more skeptical than usual. Remember, investing involves risk, and new technologies often introduce new, unforeseen risks.

AI funds vs. traditional ETFs and actively managed funds

To understand their role, let’s compare them directly. AI-powered ETFs create a new middle ground, blending attributes from both passive and active investing.

The core takeaway is that AI funds aren’t cheap. They often carry expense ratios similar to those of human-managed funds to cover the costs of AI development and computer science talent. Furthermore, AI doesn’t necessarily invest the same way humans do. Many investors today incorporate ESG factors into their investment decisions; it’s important to consider that an AI might not make the same choices under the same circumstances.

Analyzing AI-driven ETF performance

The disclaimer of “past performance doesn’t guarantee future results” is more important here than ever, as the AI statistics show.

The trading history for AI ETFs is short. Most are in their early stages with less than a decade of performance data. This short history means their AI models have not been thoroughly tested by diverse, long-term market cycles, such as a major recession or a stagflationary period.

Consequently, there’s little research comparing AI-driven ETFs with human-managed funds.

In fact, most studies on the effectiveness of AI-driven investing focus only on three distinct international market-altering events:

• The Silicon Valley Bank (SVB) collapse
• The COVID-19 pandemic
• The Ukrainian conflict

The performance data so far is mixed.

According to Iina Wilenius, AI-managed funds outperformed human-managed funds during the early stages of the Ukrainian war, while human-managed funds performed better during the SVB collapse.

(Image provided by author)

The Future Business Journal also reported that AI-driven equity funds perform better during market downturns, while human-driven funds perform better during market uptrends. They based the assessment on risk-adjusted return metrics such as Sharpe, Jensen’s alpha, and Treynor.

While these results do not directly extrapolate to ETFs, they indicate a clear sign that AI can help mitigate risk in certain types of investments during highly volatile market conditions.

These insights fundamentally change how the average investor views AI-driven investment decisions: They serve as additional tools in your belt, not a standalone solution to your ETF woes.

That said, most authors point out that we still need much more research to better understand where and how AI improves investing in practice, not just in theory.

The AI-model risk factor

With AI-driven ETFs, you’re exposed to unique risks you won’t find in a large-cap momentum ETF.

• “Black box” risk: The biggest risk is that AI models are like a black box: Inputs go in; investing decisions come out; but you will never know why the fund bought or sold a security. If the fund suddenly underperforms, you have no thesis to check, no managing director to question. You only know the algorithm failed.
• Model risk: All AI models are trained on past performance. If the market enters a new era (such as the 2022 rate-hike cycle), the AI’s historical data may become useless, leading it to make poor investment decisions.
• Flash-crash risk: What happens if thousands of AI funds are all using similar data and AI-driven strategies? It could lead to one-sided, herd-like behavior, creating higher volatility and “flash crashes” in the securities markets.

This isn’t a simple problem to fix. It’s a structural reality of this new technology.

The future of the ETF industry: Are AI fund managers the new normal?

The AI revolution is clearly not a fad. But will it completely take over the ETF industry?

The AI revolution in the ETF space: Tracking assets under management

The growth of active ETFs is undeniable, with assets under management (AUM) in the category reaching the $1.73 trillion mark by the end of September 2025 (source: ETFGI).

AI-driven ETFs are a small but rapidly growing segment of the active ETF market. For example, AIEQ has $118 million in AUM as of H3, 2025.

Our final opinion on AI-driven investing

Here’s the bottom line: AI-driven ETFs are not a gimmick. They represent a significant and permanent evolution in active management.

Their very existence challenges the idea that a human fund manager is the only way to manage assets actively. However, they are not a silver bullet that guarantees future results.

They are a powerful new tool. For finance professionals, they offer a new way to potentially generate alpha, free of human emotional bias. But they come with their own unique and complex risks.

To stay ahead of these trends and get expert insights on new investment opportunities—from AI funds to private deals—delivered straight to your inbox, subscribe to the Investing.io weekly newsletter.

But if you make the wrong decision, it’s also the fastest way to burn your cash.

Many entrepreneurs rush into ecommerce acquisitions without knowing what they’re looking for.

They see glossy storefronts, inflated numbers, and “passive income” promises. But‌ they get outdated tech, churning customers, and zero profit.

So, how do you spot the winning deals?

With the right strategy, you can identify promising businesses with proven revenue and established systems. Let’s take a look at how you evaluate ecommerce businesses and what to do once you find the right fit.

Why buy an ecommerce business? The benefits

Looking to make a smart move in the ecommerce space? Buying an existing ecommerce company with the existing email list might be the right shortcut. However, there are red flags to watch out for.

But first, let’s see why an online acquisition strategy makes the most sense and why strategic buyers win out:

You start with revenue, not a blank page

When you step into a model that’s already earning, you understand the potential profit on your plate. You have established online sales channels that loyal customers are already familiar with. You skip the hardest bit — getting it off the ground.

Think about it this way.

If your car breaks down and you need to push it, it’s way easier to keep pushing once it gets going. The most challenging part is getting the wheels rolling.

You’re not fumbling through trial and error just to make your first dollar. Instead, you can concentrate on scaling what already works.

And in fact, that’s one of the benefits of buying existing web firms—taking advantage of an established revenue stream.

You inherit loyal customers

When you buy an existing ecommerce company, you inherit its customer base. These paying customers are already engaged and have already established trust with your brand.

When consumers trust a brand, they tend to stay loyal. This loyalty powers future growth. As the 2025 U.S. Shopper Satisfaction Report explains …

“Satisfied shoppers are not just loyal; they are advocates who amplify sales and growth by recommending retailers and brands to others.”

It comes with built-in credibility

Consumer trust is imperative, and it isn’t built overnight.

According to various sources, reputation accounts for between 28% and 30% of the market capitalization of FTSE 350 companies, equating to approximately $954 billion. Brands with a good professional reputation perform the best. The top 10% of businesses across all industries consistently maintain a strong 4.5-star rating or higher.

When you buy an online business that already has customers who trust it, you save time and money on establishing that reputation yourself. And you benefit from better performance.

The infrastructure is already running

Setting up business operations requires time, money, and expertise.

When you purchase an existing online company, these operations are already in place.

Imagine how much time you’d have to concentrate on business improvements if you didn’t have to think about:

• Establishing marketing channels and social media platforms
• Setting up payment systems
• Building a website
• Finding suppliers
• Building a brand community

You may need to work on unblocking bottlenecks or streamlining operations.  But you can focus on fine-tuning existing productivity. Not reinventing the wheel.

There are proven products in place

When you acquire an ecommerce business, you get a product catalog with proven sales from customers already dedicated to buying these wares.

Great products are the number one reason customers stay loyal to brands.

If you start your own business, you must create a product, test it, and identify a target market that suits it.

When you buy an existing company, you’re working with real demand and real results. You only have to focus on scaling up bestsellers and cutting products that don’t work.

Faster profits, lower risk

Established businesses come with historical data.

You can see what people buy, how they like to buy it, and when.

With a business model already in place and data to demonstrate its effectiveness, it’s a shorter path to profitability.

There are also fewer risks than with a startup. You’re not funneling cash into testing and building something unproven. It already works. You just have to improve it.

How to spot the right ecommerce acquisition opportunity

So you’re convinced to buy rather than build.

But how do you choose the right company to acquire?

Here’s what makes a promising commerce acquisition stand out from a potential money pit:

Dig into financial health and performance

First things first. Follow the money.

It’s easy to fall in love with a brand or a product. However, you need to take a long, hard look at the numbers before committing to nurturing a project.

And it’s more than just revenue and profit margins. You need to understand all the costs that go into running the company and how the resources flow through the systems.

Here are a few steps for reviewing a company’s financial status:

1. Review at least three years of financial statements, including cash flow, income statements, and balance sheets.
2. Work out gross and net profit margins. Margins should cover operating costs, allow for competitive pricing, and make a profit.
3. Analyze revenue patterns to understand dips, spikes, and seasonal trends.
4. Compare customer acquisition cost (CAC) and customer lifetime value (CLTV). You should look for a ratio of 3:1 or higher, according to HubSpot.
5. Inspect the average order value (AOV). If you have a high AOV but your revenue is flat, customers aren’t coming back.

Most importantly, demand transparency. If the seller is hush-hush about the financials, it’s a big red flag.

Analyze operations and infrastructure

You wouldn’t buy a car without checking the engine. A business is the same.

It’s not just what it looks like — it’s how it runs.

Sure, a business might make a lot of profit.  However, if everyone is working overtime and fighting fires due to unsustainable processes, it’s likely to crash and burn.

You need to look into the tools, team, platform, and processes.

Ask questions like…

• How is the supply chain structured, and what are the associated risks?
• Which processes are automated, and which are manual?
• Is the site built on a scalable platform?
• How does customer service operate?
• Which marketing channels exist?

Take Evri’s acquisition as an example.

When Apollo Global acquired the delivery company in 2024, it was primarily focused on infrastructure.

Evri came with a large-scale logistics network already in place. This made it a valuable asset, as it could generate profit immediately without incurring setup costs.

Understand its customer base and brand reputation

Reputation and customer trust are everything—94% of consumers will abandon a business due to just one bad experience.

When you buy a company, you buy its audience and reputation.

You need to understand those customers, their feelings about the brand, and where their loyalties lie.

The impacts of high customer turnover extend beyond missed sales. High churn rates also increase your CAC.

Saravana Kumar, CEO of Kovai.co, explains …

“Acquiring a new customer can cost five to seven times more than retaining an old one,”

So, if you choose a business with poor reviews and low retention, expect more challenges than potential benefits.

Check reviews, social sentiment, and loyalty data before you buy.

Take the lead from Permira.

Its acquisition of Squarespace hinged on more than the product. The website builder has a strong reputation and repeat customer base that drives its growth and success.

Look at legal structure and compliance

Legal problems can be silent killers.

First, ensure the business is formed correctly (e.g., LLC, corporation, etc.).

You also need to review ‌current contracts to ensure that suppliers, clients, and partners are all in compliance.

It’s also important to look at regulatory compliance.

• Do anti-money laundering regulations bind them?
• Do they meet consumer protection standards?
• Do they comply with data privacy laws?

Don’t forget to verify ownership, too. You need to make sure the company owns all trademarks, domains, content, and software.

Know the risks and red flags

Even the most promising ecommerce businesses might have problems beneath the surface. You want to make sure the business owner isn’t selling because those problems are bigger than they appear.

If you don’t ask the right questions, you might inherit a mess.

Look out for red flags like:

• Traffic drops or sales declines over the past six to 12 months without a valid explanation.
• Revenue concentration occurs when most of the business comes from a single product or customer.
• Strange seller behavior like vagueness, delayed responses, and reluctance to share full data.
• Revenue spikes that might indicate unsustainable practices (like aggressive discounts). Poor data quality can also obscure these warning signs, making it more difficult to assess long-term sustainability.
• Inflated valuations with no solid financials to back them up.

You’re looking for honesty, transparency, and proof. If something feels off, it probably is.

Understand the growth potential

You’re not buying a business to babysit it. You adopt it to raise it.

So, don’t just look at its current performance and call it a day — assess future opportunities as well.

Ask yourself questions like:

• Can you expand the product catalog, improve channel diversification, or enter new regions?
• Does this harmonize with your current business or tools?
• Is this business in a growing market with rising demand?
• Are operations and infrastructure scalable?

Take 1-800-FLOWERS.com.

When the online florist bought Card Isle, it was an opportunity to expand both businesses.

(Image Source)

Now they can offer personalized gifts to flower buyers, while offering flowers to those buying cards. Genius!

Best practices for a smooth ecommerce acquisition process

Ready to buy an ecommerce business?

Here’s how to make sure the acquisition process goes smoothly.

Define what you want and stick to it

Start with clarity. Set out your acquisition criteria upfront.

You need to know what you want from a company. What revenue range? What profit margin? Do you have a preference for the platform, niche, or customer demographic?

A tighter focus means faster decisions and less wasted effort.

1. Set clear financial boundaries.
2. Define what “growth potential” looks like for your team.
3. Prioritize must-haves vs nice-to-haves.
4. And be specific about each element — “We want $1M–$5M annual revenue, not just “decent returns.”

Also, always define your deal-breakers at the beginning. (It’s just as important to know what you don’t want.)

Go deep on due diligence

If you’ve found a good-looking opportunity, dig into everything, like:

• Legal documents
• Customer data
• Operations
• Financials
• Suppliers
• Tools
• Team

Create a checklist of everything you need to explore and verify each claim with real documents.

Beyond the seller’s claims, look for independent sources and do your own research.

Don’t be afraid to ask hard questions. If the seller can’t answer them, it could be a red flag for your future profitability.

Plan integration before you close the deal

If you wait until after the acquisition to determine how the move will work, you may encounter unexpected hurdles.

Develop a plan to integrate early on, so you can jump straight into action once you’ve signed the papers.

Assign roles for each integration task and set clear timelines. Communicate all changes early, especially to customers and staff.

Structure the deal carefully

A fair deal is about protection as much as it’s about price.

Start with a proper third-party valuation — don’t simply take the seller’s word as gospel.

Ensure you are aware of everything included in the handover, such as…

• Legal protections (indemnities, warranties)
• Payment terms and timing
• Any earn-outs

The easiest way to protect yourself is to work with an experienced lawyer.

And remember, never sign anything you don’t fully understand.

Have funding ready to go

Deals stall when you don’t have capital lined up.

Estimate the total cost of the deal, including the purchase and any transaction expenses.

Secure this funding early on and make sure it’s accessible for swift payment.

Keep your people and customers close

Your new business runs on two engines. You’re powered by the people behind the scenes and the people who purchase.

Existing employees hold the access keys to essential knowledge, processes, and relationships. They are familiar with daily operations and understand the roles of suppliers and stakeholders.

If you don’t keep them informed, you risk losing them. And this can disrupt everything. Clearly outline roles and communicate contributions and expectations. They need to know what’s changing, what’s staying the same, and how they fit into the bigger picture.

You also need to reassure your customer base. You don’t want dropouts because customers are confused about the company they’d come to trust. Show them that the business is in good hands and highlight new benefits to reinforce your brand reputation.

➜ And most importantly, deliver experiences that are equal to or better than what they received before. Consistency is the foundation of trust.

Know when to walk

Be prepared to cut and run if you start seeing red flags. It doesn’t matter how far into the process you are.

Unfortunately, it’s easy to become emotionally invested and brush aside concerns. But sunk costs aren’t a strategy — they’re a trap. Just because you’ve invested time and money in research, it doesn’t mean you need to continue losing money on a poor deal.

Keep your deal breakers in mind and watch out for those pesky red flags.

Wrap up

Getting the best deal on an ecommerce business takes real detective work. You need to delve into the details to ensure everything adds up.

Never sign a deal unless you thoroughly understand the financials, infrastructure, customers, and associated risks.

When done right, an ecommerce acquisition can fast-track your growth and set you up for serious long-term returns. Remember to stay objective. Don’t rush. And always be ready to walk if the numbers don’t make sense.

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This guide explores what is ESG investing. It enables you to make informed investments that benefit your bottom line and the world around you.

What is ESG?

ESG is an acronym. It stands for Environmental, Social, and Governance.

These three factors represent a series of standards you can use as a socially conscious investor to screen potential investments.

While socially responsible investing (SRI) has existed for decades, ESG as a framework emerged in the early 2000s. The United Nations and a group of key financial leaders were the first to coin the term in the 2004 “Who Cares Wins” report.

The report is designed to encourage companies and analysts in the investment industry to:

“…better incorporate environmental, social and governance (ESG) factors in their research where appropriate and to further develop the necessary investment know-how, models and tools in a creative and thoughtful way.”

ESG has gained considerable traction in recent years. Many investors today incorporate ESG factors and criteria into their investment decisions.

What is ESG investing, and how does it work?

ESG investing is an approach that considers ESG factors in parallel with financial factors in the investment decision-making process. It involves investing in companies prioritizing sustainability, ethical practices, and strong corporate governance.

As such, you can see ESG investing as a form of conscious capitalism.

Here are a few examples of what ESG investing looks like:

• Investing in a renewable energy company committed to reducing carbon emissions.
• Choosing a company with a diverse board of directors and fair labor practices.
• Avoiding companies involved in fossil fuels or those with poor environmental records.

It’s important to note that ESG investing is not simply about excluding certain sectors or companies. It’s about understanding a company’s overall impact and how it manages ESG risks and opportunities.

ESG investing strategies

Several ESG investing strategies exist. They aim to align your portfolio with your values and financial goals. These strategies offer different approaches to incorporating ESG considerations into the investment process and include:

• ESG integration.
• Negative and positive screening.
• Thematic ESG investing.
• Impact investing.

ESG integration

ESG integration involves systematically incorporating ESG factors into traditional financial analysis. The strategy considers ESG risks and opportunities alongside financial metrics when evaluating potential investments.

Negative screening

Negative screening means excluding companies or sectors based on specific ESG criteria. For example, investors might avoid companies involved in tobacco, weapons manufacturing, or fossil fuels.

Positive screening

Positive screening is the opposite. It focuses on identifying investment choices with strong ESG performance.

Thematic ESG investing

Thematic investing focuses on specific ESG-related themes or trends. For example, it may focus on climate change, clean technology, or gender equality.

Impact investing

Impact investing seeks to generate financial gains while simultaneously creating a positive social or environmental impact.

What is ESG investing? — ESG ratings and metrics

A key question in ESG investing is how to measure a company’s performance around ESG factors. ESG ratings and metrics provide a standardized way to assess a company’s ESG performance. They help ESG investors compare companies and identify those leading in sustainability and ethical practices.

Here are some examples of popular metrics to rate companies on ESG factors.

How do they measure ratings?

You can calculate ESG ratings and metrics using a variety of data sources, including:

• Company disclosures such as sustainability reports.
• Third-party data providers.
• News articles and media reports.
• NGO and government reports with data on environmental and social issues.

ESG rating agencies

The easiest way to get information on a company’s ESG is through a third-party data provider. Several prominent agencies specialize in providing environmental, social, and governance ratings and data to guide responsible investment:

• MSCI
• Reprisk
• Sustainalytics
• Refinitiv
• ISS ESG
• Bloomberg ESG investing
• SPGlobal

These agencies use different methodologies and data sources. Some may align more or less with your ESG principles. Therefore, it’s important to understand each agency’s approach when comparing ratings.

Making investment decisions based on ESG ratings

ESG ratings are a valuable tool for making investment decisions. That said, it’s important to use them along with other financial and non-financial information during the investment process. Consider the following:

• Compare ratings from different agencies to get a holistic view.
• Look beyond the overall score and investigate the factors driving the rating.
• Consider the company’s industry and its specific ESG risks and opportunities.
• Integrate ESG metrics with your overall investment strategy and risk tolerance.

As always, due diligence is paramount when assessing ESG issues related to future investments.

Finding when investing ESG investments

Finding ESG investments requires research and due diligence. Here are some resources and strategies:

ESG-focused mutual funds and ETFs

Unlike traditional funds, ESG funds invest in companies with strong ESG performance. Some focus more on corporate governance investing, others on climate change, and others on social sustainability. One example is the iShares ESG Aware MSCI USA ETF (ESGU).

Scouring ESG research platforms

Online tools like Sustainalytics or MSCI provide ESG data and ratings on hundreds of companies in developed markets and developing countries. By looking around their databases, you can find different investments worth looking into.

Assessing company sustainability reports

Look for companies that disclose their ESG performance transparently. Microsoft, for example, issues annual reports on its environmental sustainability.

Financial advisors with ESG expertise

If all else fails, you can always seek guidance from professionals specializing in sustainable investing. A few examples include:

• Certified Financial Planner (CFP) with a specialization in ESG investing.
• Registered Investment Advisors (RIAs) focused on ESG.
• Chartered SRI Counselor (CSRIC).

ESG investing and robo-advisors

Robo-advisors are automated investment platforms that help you build and manage your portfolio. Some robo-advisors offer specific ESG portfolios or allow you to customize your investments based on your values. Popular robo-advisors with ESG options include:

• Betterment
• Wealthfront
• M1 Finance
• Acorns

Impact of ESG on financial performance

A growing body of evidence points to companies with strong ESG performance outperforming their peers in the long term. Examples include a study from Ahmad and coworkers, another by Patrick Velte from the Institute of Finance and Accounting of Leuphana University, Germany), and many more.

Authors attribute the positive impact of ESG to several factors, including enhanced brand image, better appeal to employees, and improved customer trust.

ESG’s impact on risk mitigation

ESG factors are also crucial in mitigating investment risks. Companies with robust ESG practices are less likely to face environmental liabilities, social controversies, or governance issues. These benefits can significantly impact their financial performance.

For example, one large-scale study on 24,076 companies by a team from Macau University of Science and Technology showed that ESG had a stronger impact on high-risk companies than on lower-risk ones.

By incorporating ESG considerations, investors can identify companies that are better prepared to navigate long-term challenges and create sustainable value. This lower risk profile can lead to more stable and predictable returns.

What are the returns of ESG investing?

While past performance doesn’t guarantee future results, ESG investing generally delivers competitive returns.

A recent study by the MIT Sloan School of Management used data from six major ESG rating agencies to create a series of ESG portfolios with different investment choices. They measured the true excess return of long/short portfolios ranked by ESG scores. The portfolios take a long position on companies with a high ESG score and are short on the bottom performers.

The results showed that the returns of ESG investment can range from 2% to as much as 10% annually above non-ESG benchmark portfolios.

Navigating the controversies of ESG investing

While ESG investing offers numerous potential benefits, it’s essential to acknowledge the controversies and criticisms surrounding it:

• Data quality and standardization issues: ESG metrics can be subjective and lack standardization, making comparing companies across different sectors and regions challenging.
• Greenwashing: Some companies exaggerate their ESG efforts in an attempt to attract many investors without genuinely committing to sustainable business practices.
• State-level restrictions: Certain states have implemented restrictions on ESG investing in public retirement funds, citing concerns about political bias or potential harm to certain industries.
• “Woke” investing accusations: ESG investing has been labeled as “woke capitalism” by some critics, who argue that it pushes a leftist liberal agenda.

Concluding remarks about ESG investing

ESG investing presents a compelling opportunity for business owners and investors to align their financial goals with their values. By considering environmental issues, social responsibility, and governance factors, investors can potentially enhance returns by 2% to 10% compared to traditional investment products.

Besides contributing to a more sustainable future, investing based on ESG standards also helps businesses mitigate risks. While controversies exist, understanding the complexities of ESG investing empowers individuals to make informed decisions and navigate the evolving landscape of responsible investing.

“Take the time to appreciate employees, and they will reciprocate in a thousand ways.” That’s a quote from Dr. Bob Nelson, a leading authority on employee motivation and engagement. It’s also the perfect introduction to why you should invest in your employees.

Providing training and development opportunities can carve a path toward business success. It can also help you create a thriving and highly skilled workforce. And, of course, it can help you boost sales and reach new heights in your organization.

But how do you invest in your employees? This article explains everything you need to start investing in your team today.

In this article, we will cover:

• What it means to invest in employees 
• Why investing in employees is important
• How to invest in your employees 

What does it mean to invest in staff?

You can invest in your employees in many ways. But usually, it’s related to professional development. You might enroll them in a course, provide financial support for school, or shadowing at work.

All companies should be investing in their staff. It’s how you foster talent development, which leads to more sales.

Why investing in employees is important

Investing in employees is essential. It helps improve job satisfaction and productivity. There is a lot to offer and even more to unpack.

Continue reading to discover why investing in employees is worthwhile.

Create a more engaged and productive workforce

Low employee engagement costs the global economy an estimated $8.9 trillion.

Investing in your employees can improve their engagement. A Gallup report looked at employee engagement strategies. 

Employees who had someone to encourage their development performed better, including in critical business outcomes. They mentioned mentors as great tools for keeping employees accountable for their performance.

See the image below for a snippet of the Gallup report.

(Image Source)

Focus on employee development to boost sales by getting the most out of your employees. When they win, you win.  

Build resilient employees who can adapt to new technologies

Investing in employee professional development will help you stay ahead of the curve. This may include attending workshops and conferences. Alternatively, you can help employees pursue relevant qualifications and certifications.

You want to support employee development to allow your business to grow and innovate. This includes adapting to new technologies. Upskilling helps your employees maintain a high level of performance, which in turn leads to more sales and business success. 

Attract new talent

Organizations that invest in their employees are more likely to retain employees. When you’re competitive, you also have access to top new talent. This helps improve every aspect of your business, which includes driving more sales.

Reduce employee turnover

Investing in your workers can help reduce employee turnover. When they have development opportunities at work, they are less likely to look for new jobs. This allows you to develop a productive and loyal workforce without constant onboarding.

Furthermore, because you won’t have to train new employees, you can focus on talent development in the most relevant areas. For example, this could include upskilling your sales or marketing team.

Improve job satisfaction

When you invest in your workforce, you show how much you value your employees. Learning and development opportunities improve engagement and job satisfaction. 

Think about it: when you provide everything an employee needs to grow and thrive at work, they have fewer obstacles to leaving. And more reason to stay—they enjoy their job, advance their careers, and your company looks after them.

Boost productivity at work

Engaged employees are more productive at work. They produce better quality work in less time. 

Moreover, team-building activities can improve productivity, especially in teams where communication is essential. Team-building helps employees become more familiar with each other. It also improves communication, which carries over into the workplace.

We discuss team-building further later in this article.

How to invest in your employees 

You can invest in your employees in numerous ways, some of which we’ve already discussed. 

You can also use employee monitoring software to reveal employee working patterns. This can provide recommendations on what the best investment is for your team. See the image for an example of employee monitoring.

(Image Source)

Below, we’ve compiled ten further ways to invest in your employees.

1. Organize team bonding events

One creative way to invest in your team and boost sales is by organizing regular team bonding events. These activities allow you to connect and spend quality time with your team. This helps foster strong bonds and trust. Such experiences improve employee satisfaction and performance, ultimately leading to improved sales. 

Companies can choose virtual or onsite events, such as camping or road trips. For example, if you want to plan a winter time trip to Florida you could book RV rentals in Orlando and take your team on the road. 

This shared adventure provides a break from routine and creates lasting memories and camaraderie. It will positively impact team morale and productivity, too.

(Image Source)

If you’re working on a lean budget, you can book day trips or host company events in the office. Get creative with it!

2. Create a mentorship program

Mentorship programs are an excellent way to facilitate learning and professional development. 

You can pair more senior employees with beginner employees to embrace and encourage a culture of continuous learning. This may include shadowing, whereby employees sit in on meetings, observe tasks, and meet new clients.

Mentorship may also include weekly meetings where goals are set for the following week to develop skills further. For example, this may include writing a sales script for review or editing work produced by a senior employee. Mentorship is widely underused!

3. Invest in employee health

The health of your employees should be a top priority. You should always want to invest in it. 

Nowadays, this is easier to achieve as multiple programs offer special medical packages for companies. You can opt for nutrition programs that offer guidance with healthy eating habits. You can also combine it with special exercise days in the office to encourage physical activity. Beginner-friendly exercise classes may include desk yoga, dance, or a voluntary lunchtime walk. 

4. Introduce a wellness program

Wellness programs at work are a great way to further invest in the health of your employees. 

For example, you can host workplace challenges, e.g., who can achieve the most steps in a month and compete for prizes. You can also introduce other wellness initiatives, such as:

• Reimbursed gym memberships
• Nutritious lunch options at work
• Mental health education
• Walking meetings

The Harvard Business Review states several benefits of a wellness program for employers, including:

• Lower employee turnover and better retention
• Improved employee engagement and morale 
• Reduced absenteeism 
• Increased productivity 
• Reduced health risks
• Cost savings

All top companies, including Google, Asana, and Microsoft, have wellness programs. These programs help companies create loyal employees. By forming new habits, employees improve productivity and even day-to-day life. It’s a win-win. 

5. Improve communication

For your employees to be productive, you must provide them with the necessary tools to get the work done. So invest in a meeting minutes app. 

This is a highly required tool for meetings. It’s always important to create an official record of what you’ve discussed in meetings so everyone can remain on the same page.

(Image Source)

In addition, this allows employees who cannot attend a meeting to catch up on the latest project details. It also means less note-taking and more active listening. 

6. Prioritize work-life balance

It may sound trivial, but prioritizing work-life balance will improve work performance. It helps to set clear boundaries, too. For example, not needing to respond to work emails on a weekend or after hours. This can help prevent burnout from creeping in.

Deliberate time away from work helps improve job satisfaction. You don’t want to feel like you’re always on the clock, and neither do your employees.

Other ways to prioritize work-life balance include:

• Including the option of remote and hybrid work arrangement
• Limiting admin clutter with tools like email verification apps
• Providing flexibility to adjust schedules when needed
• Teaching stress management techniques

7. Team training 

Many businesses find it challenging to boost sales and differentiate themselves from competitors. 

One effective strategy is investing in team training, which is especially crucial in the travel industry. Well-trained employees provide better customer service, which drives higher customer satisfaction and increased sales.

Beaches of Normandy Tours, a WWII historical tour company, often invests in training its tour guides, and this investment is evident in their reviews. 

For example, on their Band of Brothers tour, past travelers consistently praise the excellence of the guides and mention how they will take a new tour in the future. Positive feedback improves the company’s reputation and significantly boosts sales by attracting more customers.

(Image Source)

If you run a financial business, share the best investing blogs and X accounts with your team. This unique approach allows them to learn at their own pace. 

8. Start a “buddy” system

Having a best friend at work can help drive employee engagement and job success. This includes getting more done in less time, sharing ideas, and having fun at work.

You can start a buddy system to help forge friendships. Having a friend at work is even more important for remote and hybrid workers. It can be more lonely, therefore negatively affecting work performance.

Having a best friend at work will also keep each other accountable. It’s a familiar face to rely on and confide in. It even reduces work accidents and improves productivity.

So, take down the cubicles and create a space of friendship. Yes, employees are there to work, but they can—and should—do it with a “buddy.”

9. Revamp your onboarding

Finally, consider revamping your onboarding process. This can include comprehensive training, an introduction to company culture, and more.

Onboarding is an excellent opportunity to assign new employees to a buddy, too. This increases accountability and helps them fit in from the beginning of their new role, which can be tough.

When your onboarding contains all of the appropriate material, new hires can get up to speed much quicker. This allows you to get the most out of your workforce to drive more sales.

10.  Invest in leadership development

When team members learn to become strong leaders, they gain confidence, improve their decision-making skills, and enhance their ability to innovate. This results in a more motivated and engaged workforce capable of more effectively identifying and seizing sales opportunities. 

Leadership development programs can also foster better communication and collaboration within the team, leading to a more cohesive strategy and a unified approach to achieving sales goals. 

Investing in your team’s leadership capabilities creates a culture of excellence and accountability that drives sales performance and propels the business toward sustained growth.

Start investing in your employees today

There are many ways to invest in your employees, whether that’s investing in their education or hosting team-building activities. But the ultimate goal is to improve productivity and drive more sales.

When you invest in your employees, they perform better at their jobs. So start investing in the development of your workforce today to create the workforce of tomorrow. And hopefully, that workforce is one that drives you more sales!

Key takeaways:

• Investing in employees can improve productivity and reduce employee turnover
• Low employee engagement costs $8.9 trillion 
• Professional development can improve employee engagement
• Employers who invest in employees attract and keep top talent
• Team bonding events can improve communication and productivity at work

P.S. Never miss the latest tips on investing — subscribe to our newsletter today!

FAQs

Why do people invest in people?

People invest in people to extend their network, offer guidance, and provide support. At work, companies invest in workers to increase productivity, employee engagement, and loyalty. 

What companies invest in their employees?

Companies such as Google, Microsoft, Apple, Asana, and Salesforce invest in their employees. They have wellness programs, development opportunities, and more.

Why is investing in your employees the future of work?

Investing in your employees reduces employee turnover. It also creates more productive and happy employees. If you don’t already invest in your employees, use this as a sign to start!

What is the ROI of investing in employees?

The actual return on investment can be tricky to calculate, but you will create more productive, happy, and loyal employees. Furthermore, you will improve retention rates and reduce hiring costs. So there’s lots to gain!

How can companies invest in their employees?

There are many ways to invest in your employees. These include employee training, creating a positive work environment, and providing opportunities for growth. Employee development helps create satisfied and engaged employees.

Understanding the right ways to connect with investors can make all the difference. 

This article will show you four practical, effective strategies to build that network. It’s not just about securing funds; it’s about creating valuable, long-term relationships. Whether you’re new to this or looking to improve your approach, these methods will help you expand your reach and unlock new opportunities for your business.

What Is a Network?

A network is a group of individuals or organizations connected through relationships that can help you achieve your goals. In the business world, building a network of potential investors is crucial. 

It involves creating meaningful connections with people who may be interested in funding your venture. By engaging with the investing community, you can build relationships with like-minded individuals who share an interest in your industry. 

You can expand your network by conducting or joining networking activities. This process allows you to tap into different sources of capital and grow your business. 

When it comes to building a network of investors, you’re not just looking for funds but also long-term partnerships that can benefit your company in multiple ways.

Why Should You Build a Network of Investors?

When you connect with potential investors, you open the door to more than just funding. A strong network can provide valuable advice, industry connections, and long-term partnerships. 

Having access to a network of investors for startups can help you navigate challenges and seize opportunities more effectively. Investor relationships are key to scaling your business, securing capital for new projects, and gaining credibility in your industry. By building a solid investor network, you’re setting yourself up for future success.

Here are four effective ways to build a network of potential investors that can help grow your business.

1. LinkedIn Networking and Outreach

One of the most effective ways to build a network of investors is through LinkedIn. Start by optimizing your LinkedIn profile to reflect your business goals and expertise. Use a professional photo, craft a compelling headline, and write a summary that highlights your achievements and vision. 

Once your profile is polished, begin researching the best investors to follow and try reaching out to them. You can send personalized connection requests with a brief, targeted message introducing yourself and your business. 

Join relevant LinkedIn groups where investors are active. Participate in discussions by sharing insights and commenting on posts. 

Posting valuable content about your industry can also showcase your expertise and attract investors. LinkedIn’s messaging system allows you to engage with investors directly, offering a low-pressure way to start meaningful conversations. 

A LinkedIn automation tool can handle routine outreach, freeing you to focus on high-stakes investor interactions.

Connection Request Message Template

This short message is included when sending a connection request on LinkedIn. It’s designed to quickly introduce yourself and explain why you’d like to connect.

Here’s a template:

Hi [Investor’s Name],

I hope you’re doing well. I came across your profile and noticed your interest in [industry or niche]. I’m currently working on [brief description of your business] and thought it would be great to connect. I’d love to stay in touch and potentially share insights in the future.

Best,

[Your Name]

LinkedIn Cold Message Template

After your connection request is accepted, you can send a LinkedIn cold message to start the conversation. This message introduces your business and highlights how it aligns with the investor’s interests.

Here’s a template:

Hi [Investor’s Name],

I hope you’re doing well. I came across your profile and was impressed by your work in [specific industry or investment focus]. 

I’m currently working on [briefly describe your business/startup], and I believe it aligns well with your investment interests in [mention relevant industry or niche]. I’d love the opportunity to briefly share more about how [your company name] is tackling [specific problem/solution] and explore if it might be of interest to you.

Looking forward to connecting!

Best regards,

[Your Full Name]

InMail Message Template

This template is for when you want to reach out directly to an investor via LinkedIn InMail. It provides a bit more space to explain your business and request a follow-up, like a call or meeting.

Here’s a template:

Subject: Investment Opportunity in [Your Business/Industry]

Hi [Investor’s Name],

I wanted to reach out because I’ve been following your work in [industry], and I believe you might be interested in what we’re doing at [your company name]. 

We’re addressing [specific problem] with an innovative solution that I think aligns well with your current investment focus. I’d love to set up a quick call to share more details and explore potential opportunities.

Thank you for your time and consideration!

Best,

[Your Full Name]

[Your Role]

[Your Company Name]

[Your Contact Information]

2. Cold Email Outreach to Investors

Cold email outreach is another proven way to grow your network of investors. Start by identifying potential investors who align with your industry and funding needs. Craft personalized emails that clearly introduce your business and explain why the investor should be interested. 

Highlight what makes your business unique and how it fits into their investment portfolio. Keep your message short but impactful, making sure to include a specific call to action, such as setting up a meeting or phone call. 

It’s important to follow up consistently without being pushy. A well-timed follow-up can make the difference between being ignored and getting a response. Cold outreach can be challenging, but with persistence and a strategic approach, it can help you build valuable investor relationships.

Template 1: Initial Cold Email to a Potential Investor

This template is for your first cold email to an investor, focusing on introducing your business and sparking their interest in your project.

Here’s an email template:

Subject: Exciting Opportunity in [Your Industry/Business Name]

Hi [Investor’s Name],

I hope you’re doing well. I wanted to introduce myself and share a little about [your company name]. 

We’re addressing [specific problem] with an innovative solution that’s already showing strong results in [industry]. I believe our project aligns well with your investment interests, and I’d love to share more details. Would you be open to a brief call to discuss further?

Thank you for your time, and I look forward to connecting.

Best regards,

[Your Full Name]

[Your Role]

[Your Company Name]

[Your Contact Information]

Template 2: Follow-Up Email After No Response

If you’ve already sent a cold email but haven’t received a response, this follow-up email is designed to reignite the conversation without being pushy.

Here’s an email template:

Subject: Quick Follow-Up on [Your Business Name]

Hi [Investor’s Name],

I hope you’re doing well. I wanted to quickly follow up on the email I sent regarding [your company name] and our work in [industry]. I believe this could be a great opportunity for you, and I’d still love to explore ways we might collaborate.

If you have a few minutes in the coming days, I’d appreciate the chance to share more details with you. Looking forward to hearing from you!

Best regards,

[Your Full Name]

[Your Role]

[Your Company Name]

[Your Contact Information]

Template 3: Referral-Based Cold Email

If you’ve been referred to an investor by a mutual contact, this template is useful for leveraging that referral to build trust and open a dialogue.

Here’s an email template:

Subject: [Mutual Contact’s Name] Suggested I Reach Out

Hi [Investor’s Name],

I hope you’re doing well. [Mutual contact’s name] recommended I reach out to you regarding [your company name]. We’re working on [brief description of your project] and thought it might be of interest given your investment focus in [specific area]. 

I’d love to share more about how we’re tackling [specific problem] and explore whether there’s potential for collaboration.

Would you have time for a brief chat next week?

Best regards,

[Your Full Name]

[Your Role]

[Your Company Name]

[Your Contact Information]

3. Attending Investor Events and Conferences

Attending investor events and conferences gives you the chance to meet investors in person, which is often more effective than online communication. These events are specifically designed to connect startups and entrepreneurs with investors, making them a perfect opportunity to network. 

You can find relevant events on various investing websites or by subscribing to investing blogs that constantly post updates on related events. For instance, many high-profile venues in Monaco host prestigious investment conferences, attracting top-tier investors and business leaders from around the world.

Before attending, research which investors will be present and prepare your pitch. Having a concise, compelling pitch ready can help you make a strong first impression. Networking at these events often leads to deeper conversations and potential partnerships. 

Many conferences also offer panel discussions and workshops, giving you additional insights into what investors are looking for. Virtual events have become more common, providing a convenient way to connect with investors from around the world without the need for travel.

4. Building Relationships through Warm Introductions

Warm introductions through mutual contacts are one of the best ways to build trust with potential investors. When someone in your network introduces you to an investor, it establishes credibility and opens the door to a meaningful relationship. 

To leverage this method, start by identifying people in your network who have connections to investors. Reach out to them with a clear request for an introduction, explaining why you believe the investor would be a good fit. Personal referrals often lead to faster and more positive responses from investors. 

Once introduced, focus on building the relationship rather than immediately asking for investment. Nurture the connection over time by providing updates on your business and engaging in discussions about shared interests. This approach often results in long-term partnerships that go beyond just funding.

Best Practices in Networking with Investors

When networking with investors, it’s essential to approach the process strategically and professionally. You want to build genuine connections, not just pitch your business right away. The goal is to create long-term relationships that can benefit both parties. 

Here are some expanded best practices to keep in mind when networking with potential investors:

• Be prepared with a clear pitch: Know your business inside and out. Investors will expect you to present a concise and compelling explanation of what your company does, the problem it solves, and how it stands out from competitors. Have financials, growth metrics, and future plans ready to discuss. Confidence and clarity are key.
• Personalize your outreach: Tailor your messages to each investor’s interests. Avoid sending generic messages. Do your homework to understand the investor’s previous investments, preferred industries, and current focus. When your outreach is relevant and personalized, it shows that you’ve put in the effort and respect their time.
• Follow up consistently: Persistence shows your commitment without being too aggressive. Investors are often busy, so they may not respond to your initial message. A thoughtful follow-up after a reasonable amount of time keeps you on their radar. However, avoid spamming or overly frequent follow-ups, as it can backfire.
• Offer value before asking for anything: Share industry insights or helpful resources. Networking should be a two-way street. Before you ask for investment or advice, try offering something of value, like market research or an industry trend report. This positions you as someone knowledgeable and generous, not just someone looking for funding.
• Be transparent and honest: Investors appreciate straightforwardness, especially when discussing risks or challenges. Be upfront about potential risks, your company’s current stage, and any challenges you face. Investors prefer honesty over sugar-coating, and transparency builds trust early in the relationship.
• Build your personal brand: Use platforms like LinkedIn to demonstrate your expertise and industry knowledge. Regularly share content, engage in discussions, and highlight your business successes. A strong personal brand can help investors find you organically and take you more seriously when you reach out.
• Be patient: Building trust with investors takes time, so don’t rush the relationship. Investors often prefer to get to know you and your business over time before making decisions. Maintain the relationship by keeping them updated on your progress and showing that you’re in it for the long haul.

By following these practices, you’ll stand a better chance of making lasting connections that could lead to future investment opportunities.

Building a Network of Investors: Key Takeaways

In this article, we covered the best practices for networking with investors, focusing on building genuine, long-term relationships. Success comes from being prepared with a clear pitch, personalizing your outreach, and offering value before asking for anything. 

Building your personal brand and staying patient throughout the process is crucial for earning trust. Transparency and consistent follow-up show your commitment to growing your business and fostering meaningful connections.

The key takeaway is that networking with investors takes time and effort. Nurturing these relationships will lead to lasting success, not just in funding but also in valuable partnerships.

But good news: Getting tips from the top investors can make a difference. A HUGE difference.

No need to untangle financial terms or make wild guesses about the market by yourself, when you join an investor community full of likeminded people and investing pros.

So without further delay, let’s stop teasing. What are the best communities?

The List of Top Investing Communities

1. Snowball Club
2. Bogleheads
3. The Motley Fool
4. Stocktwits
5. Value Investors Club
6. Dumb Money
7. r/Investing
8. r/PennyStocks
9. r/FatFIRE
10. r/WallStreetBets

1. Snowball Club

Snowball is the investing community for all entrepreneurs who want to merge investing with personal development. Here, finance is the foundation, but the focus on personal growth, health, and strong relationships is equally vital.

Founded by Travis Jamison, the club’s approach is rational, anti-hype, and all about growth in every aspect of life. Its members are equally interested in building wealth and leading a well-rounded, healthy lifestyle.

For $300 per quarter, members gain full access to a platform full of like-minded individuals. This includes:

• Monthly chats with experts.
• A weekly exclusive newsletter.
• Deal flow insights
• Special member offers.

It’s a space where you can connect, share knowledge, and get feedback on a variety of topics, from health to investment strategies.

But there’s more. In this community, every member contributes by offering one or two unique deals or opportunities. In return, they can access offers made by others, creating a mutually beneficial environment.

Beyond quick social media chats, The Snowball Club thrives on in-depth discussions in its forum. With over 200 members, conversations range from stocks and crypto to real estate and online businesses.

And it’s not all talk – there’s a good reason TSC is one of the best investing communities. It presents real investment opportunities, including businesses for sale, DeFi projects, angel deals, and more.

2. Bogleheads

Bogleheads is a global investing community guided by the principles of the John C. Bogle Center for Financial Literacy.

Founded in 2007 by John Bogle himself, this forum has grown to over 75,000 members. All of them share a common interest in personal finance and investing.

Bogleheads functions as an online forum, available in both English and Spanish. It caters to a diverse audience, including U.S. and non-U.S. investors.

The investing forums hosted on Bogleheads are divided into four main sections:

• U.S. investors
• Non-U.S. investors
• Wiki
• Community

This close-knit community also hosts local chapters across the globe, providing opportunities for members to connect, learn, and grow. The community’s calendar is always packed with upcoming events, making it easy for members to stay engaged and informed.

For those seeking deeper insights, the group’s reference library is loaded with essays, stories, books, and financial calculators.

Highlighting the community’s dedication to learning and connection is the annual Bogleheads Conference. Held in Westmont, IL, every October, this three-day event offers 500 seats at $495 each. It’s a unique chance to interact with peers and learn from industry experts.

3. The Motley Fool

The Motley Fool has come a long way since its inception in 1993 by brothers Tom and David Gardner. What began as a traditional print newsletter in a backyard shed in Alexandria, Virginia, has evolved into a group of financial guidance and investor education.

Members join a community driven by a noble purpose: to make the world smarter, happier, and richer. It’s about treating every dollar as a seed for the future you wish to cultivate.

The Motley Fool serves millions of individual investors and emerging managers worldwide. Here’s what they offer:

• Premium membership services with stock recommendations, detailed company and hedge fund analyses, model portfolios, and live market commentary.
• Free market news and articles, updated regularly.
• Exclusive tools for building and tracking your ideal portfolio.

Experts at the Motley Fool promote a buy-and-hold strategy, focusing on business fundamentals rather than short-term market fluctuations.

They encourage investing for a minimum of five years, and often, they invest their own money alongside their members.

The market can be volatile, but The Motley Fool’s approach is about seeing trends beyond the short-term ups and downs.

4. Stocktwits

Stocktwits is an investment community founded in 2008 by Soren Macbeth and Howard Lindzon. It’s an intersection between social media and the investment world. With over 5 million members, it’s a dynamic platform where investors gather to chat about trading, crypto, and the stock market.

Registration is free, and once inside, you’ll find an active community eager to share, learn, and grow.

The mobile app (available for Android and iOS) lets you dive into a feed of updates from fellow investors. It’s a cool space to voice your thoughts on your portfolio, ask for advice, or respond to the latest trends.

Here’s what sets Stocktwits apart are its unique features:

• Rankings of trending tickers to help you stay on top of the hottest stocks.
• Earnings Calendar to track which companies are making waves.
• Rooms – niche groups dedicated to specific investment topics. You can choose from free public rooms or dive deeper with premium rooms available through a monthly subscription.
• Ability to save favorites to your watchlist.

The platform makes it super simple to send private messages to deepen conversations with individual members. That makes it a fantastic place to meet investors who share your interests and perspectives.

5. Value Investors Club

Value Investors Club (VIC) is not your ordinary investment forum. Founded in 1999 by Joel Greenblatt and John Petry, it’s an exclusive online club where only the very top of investors share their genius ideas.

With about 500 active members, including fund managers and representatives of mutual funds and hedge funds, this club is a goldmine of information. They have nearly 10,000 investment write-ups and over 130,000 insightful comments.

Getting into VIC is an achievement on its own. Membership is free but highly selective. Only 1 in 15 applicants makes the cut, based on the quality of their investment thinking and research. To apply, one must submit a well-researched, compelling investment idea, which is then reviewed by a highly experienced investment manager.

Once in, members are required to post a minimum of two and a maximum of six investment ideas per year. This ensures the exchange of only the finest investment strategies.

For those who make it into VIC, the club offers a continuous stream of valuable investment ideas and analysis. They’re available to members in real time and to guests on a delayed basis. It’s a unique opportunity to interact with top investors and enrich your investing vision.

The club’s message board, exclusive to members, is a place for constructive discussion. But beware, irrelevant or non-constructive comments can cost you your membership.

Investing Discord Communities

Some of the groups are setup on Discord, and some (like r/pennystocks) are on both Reddit AND Discord.

6. Dumb Money

Dumb Money is the brainchild of three friends from the US – Dave Hanson, Chris Camillo, and Jordan Mclain. Allegedly, they turned $30,000 into $30 million using Twitter and a 0% commission trading account.

Since 2018, Dumb Money has grown into a thriving community of 50,000 members, sharing insights and strategies for smart investing.

This community is one of the most accessible out there. Joining is free, and once you’re in, you’ll find yourself in a busy Discord server with investors from all corners of the globe.

The server has multiple investment channels allowing you to tailor your experience and focus on areas that interest you the most:

• Crypto
• Electric vehicles
• Entertainment
• Medical
• International
• Technology
• Retail
• Infrastructure

Dumb Money is both a chat room and a learning hub. The community exchanges experiences and ideas, helping each other grow and make informed investment decisions.

Every week, the founders share new content through their YouTube channel, live sessions, and a podcast, discussing their investment moves and market perspectives.

Additionally, Dumb Money provides an extensive spreadsheet with amazing research tools, helping members to invest smarter.

7. r/Investing

r/Investing is a Reddit community with over 2.5 million members. It’s dedicated to the serious side of capital market investments.

It was established in March 2008, just before the tumultuous market crash of the same year. This community has long upheld its motto, “Lose money with friends”, as an honest reflection of market realities.

At r/Investing, the focus is on quality discussions. Beginners are encouraged to direct their questions to stickied daily threads. It helps with maintaining the forum’s standard for high-quality, mature debates.

Personal attacks are a no-go, but healthy, critical discussions are always welcome.

What sets r/investing apart is:

• Its preference for in-depth analysis over short trends and memes.
• Members engaging in broad discussions on topics crucial to the economy, rather than individual company financials.
• Global trends, treasury rates, nations’ GDPs, and algorithmic trading advice are commonly discussed.

While r/Investing is an excellent starting point for those new to the stock market, it doesn’t claim to transform novices into experts overnight. It’s a place to begin learning about professional investing and what to expect when the bubble bursts.

In short, r/Investing is a valuable resource on Reddit for anyone looking to understand the nuances of investing and engage in meaningful discussions about global market trends.

8. r/PennyStocks

r/PennyStocks, established in 2008, is a hub for investors interested in the high-risk, high-reward world of penny stocks.

This subreddit, coupled with a Discord server, has become a gathering point for almost 2 million investors worldwide. It offers a platform to discuss penny stocks and personal finance.

The community’s Discord server complements the subreddit, offering real-time chats with fellow investors. Channels cover a range of topics from penny stocks to general stocks, trading, and personal finance. There are even off-topic areas for memes and hobbies, fostering a sense of team spirit and mutual learning.

r/PennyStocks is a melting pot of ideas and strategies, neatly organized with various flairs like:

• General discussion
• Meme
• Technical analysis
• Question
• Stock info

Regular features like “Daily Plays” and “Newbie Sunday” megathreads provide structured discussion spaces, catering to both seasoned traders and beginners.

One of the most engaging aspects of r/PennyStocks is its monthly Prediction Tournaments. Members use tokens to predict outcomes on specific stocks, with winners earning tokens in proportion to their bets and featuring on a leaderboard. It’s a fun, gamified way to engage with the market.

Beyond discussions, r/PennyStocks is loaded with resources. From FAQs to extensive guides, members have access to a wealth of information to guide their penny stock ventures.

9. r/FatFIRE

r/FatFIRE, launched in 2016, is a thriving subreddit with nearly 400k members. It’s focused on achieving financial independence and retiring early, but with a twist.

Unlike the traditional FIRE (Financial Independence, Retire Early) movement that often adopts a modest lifestyle, r/FatFIRE is all about accumulating substantial wealth to ensure a more luxurious early retirement.

It’s a community for those aiming high, be it through successful business ventures or other means. Membership is free and open to anyone with an interest in this wealthier version of FIRE.

The subreddit is a goldmine of discussions and advice on early retirement, organized under various flairs like:

• Path to FatFIRE
• Need Advice
• Investment ideas
• Taxes
• Business
• Lifestyle
• Retirement
• Meta

A cool feature of this community is Mentor Mondays – weekly threads offering a platform for newcomers to seek guidance on their early retirement. It’s also a space for seasoned members to host Ask Me Anything (AMA) sessions, sharing their insights and experiences.

Whether you’re new to the concept or well on your path to FatFIRE, this subreddit offers a supportive and smart community to help you reach your ambitious financial goals.

10. r/WallStreetBets

r/WallStreetBets, commonly known as WSB, is an investor community and Reddit phenomenon unlike any other in the world of stock and option trading.

Founded in 2012 by Jamie Rogozinski, this subreddit has become a hive of sometimes questionable investing strategies, notorious for its role in the GameStop short squeeze of early 2021 that shook the financial world.

With its famous tagline “Like 4chan found a Bloomberg terminal”, WSB is known for its colorful, profane slang. It nurtures a culture that embraces aggressive and speculative leveraged options trading.

Members, often young retail traders and investors, engage in practices that border on gambling, frequently using borrowed capital to bet on popular “meme stocks” within the community.

The subreddit’s language is also quite unique. Terms like “stonks” for stocks, ”endies” for profits, and “diamond hands” for holding stocks steadfastly, are part of its charm and reputation. This community is also a breeding ground for memes and joke posts about the financial market, with the Meme Man or “Stonks guy” symbolizing its spirit.

Therefore, it’s important to note that WSB isn’t for the faint-hearted. It’s a decentralized investing community where traditional investment practices and risk management are often tossed aside in favor of high-stakes, high-reward day trading.

This approach has contributed to its reputation for encouraging reckless trading tactics.

Your Turn

Now that you’ve become familiar with some of the most engaging investing communities out there, it’s your turn to take the next step. Join one (or a few) and take it from there.

But don’t end it there. Alongside these communities, enrich your learning with insights from some awesome investing blogs.

Remember, the world of investing is vast and ever-changing. The more you explore, learn, and partake, the better equipped you’ll be to cash that smart money.

Updated: April 26, 2024

But there’s a smaller group of accounts run by people who actually manage money, build businesses, or study markets for a living. They share how they think, not just what they think, and that’s where the real value is.

Here are 17 finance accounts worth following.

@morganhousel – Morgan Housel

Morgan Housel is a partner at The Collaborative Fund and the author of The Psychology of Money and Same as Ever. His writing focuses on the behavioral side of investing: why people make the decisions they do with money, and why those decisions are usually more emotional than analytical.

His tweets tend to be short observations about human behavior, risk, and long-term thinking. No stock picks, no macro predictions. He’s interested in the patterns that repeat across decades, not what happened in the market today.

If you read one investing book this year, it’s probably one of his. His X account is an extension of that same thinking.

Best for: Anyone who wants to think more clearly about money, risk, and long-term decision-making.

@awealthofcs – Ben Carlson

Ben Carlson is the Director of Institutional Asset Management at Ritholtz Wealth Management, author of 4 investment books, and co-host of the “Animal Spirits” podcast.

His account is one of the most consistently useful on finance X. He takes complex market data, academic research, and historical patterns and makes them readable without dumbing them down. Lots of charts, lots of context, very little hype.

He’s also refreshingly honest about what he doesn’t know, which is rarer than it should be on a platform full of people who are certain about everything.

Best for: Individual investors who want institutional-quality thinking about index funds, asset allocation, and behavioral finance without the jargon.

The Evolution of Financial Advice

I’ve been working on this one for a while

It’s a long one https://t.co/bzs8FHGCVzpic.twitter.com/ExFzbdI2dv

— Ben Carlson (@awealthofcs)

@Travis_Jamison – Travis Jamison

Travis Jamison is an investor and entrepreneur focused on buying and building cash-flowing businesses in the lower middle market.

He’s the founder of CapitalPad, a deal-by-deal private equity co-investment group, and manages multiple investment vehicles across small business acquisitions, search fund investments, and direct operating deals.

After building and selling several companies, Jamison shifted from venture-style investing to what he calls “hard to kill” businesses: profitable, privately held companies bought at reasonable prices with durable earnings. The thesis is simple: don’t speculate, buy real cash flow cheaply and protect the downside.

He writes regularly about deal evaluation, due diligence, risk management, and the realities of operating and investing in small businesses.

Best for: Travis Jamison is one of the top accounts to follow on X for anyone interested in private equity, small business acquisitions, or alternative investments outside public markets.

@patrick_oshag – Patrick O’Shaughnessy

Patrick O’Shaughnessy is the founder and CEO of Positive Sum, an early-stage venture capital firm, and the host of Invest Like the Best, one of the most respected investing podcasts in the world. He previously led O’Shaughnessy Asset Management (now part of Franklin Templeton).

His feed is a mix of podcast episode drops, investing observations, and links to deep research. He’s particularly good at finding people who are thinking about investing and business building in non-obvious ways, then getting them to explain their reasoning in public.

The podcast alone is worth the follow. The X account is how you keep up with who he’s talking to next.

Best for: Serious investors and business builders who want exposure to how the best allocators and operators think.

@10kdiver – 10-K Diver

This anonymous account produces some of the best educational investing content on the internet. Period. This is definitely one of the best stock market Twitter accounts.

10-K Diver publishes long, detailed threads breaking down fundamental investing concepts: compounding, return on capital, valuation methods, probabilistic thinking. The threads are structured like lessons, complete with examples and math, but written clearly enough that you don’t need a finance degree to follow along.

The best way to use this account: go to 10kdiver.com where every thread is cataloged by topic. Work through them at your own pace. It’s better than most MBA coursework on the subject.

Best for: Anyone who wants to build real understanding of how investing math works, from beginners to experienced investors who want a refresher.

28/

That is, IF each round is sufficiently *positive sum*, even a weak player — who is disadvantaged BOTH size-wise and skill-wise — may end up with a high probability of surviving and thriving indefinitely.

So it may pay to seek out and play such infinite games.

— 10-K Diver (@10kdiver)

@MebFaber – Meb Faber

Meb Faber is the co-founder and CIO of Cambria Investment Management, where he manages a suite of ETFs. He’s also the host of The Meb Faber Show podcast and author of several books on quantitative investing and asset allocation.

His account covers a wide range: global value investing, trend following, shareholder yield, and the data behind why most investors underperform. He’s particularly good at sharing historical market data that puts current conditions in context.

He’s also one of the more prolific angel investors on the platform (225+ startups and counting), so he regularly shares observations about venture and startup investing alongside his public markets work.

Best for: Data-driven investors interested in quantitative strategies, global diversification, and long-term asset allocation.

@BrentBeshore – Brent Beshore

Brent Beshore is the founder and CEO of Permanent Equity, a private equity firm based in Columbia, Missouri that buys family-owned businesses with no intention of selling. Their funds have 30-year lives. They rarely use debt.

That alone makes him worth following, because almost nobody in PE operates this way. His account is a mix of investing wisdom, dry humor, and honest observations about what it’s actually like to buy and run small businesses. His annual letters are some of the best in the industry.

Permanent Equity now manages $400M+ in revenue across its portfolio and generates roughly $50M in distributable free cash flow. He shares real numbers and real lessons, not just platitudes.

Best for: Anyone interested in private equity, small business investing, long-term holding strategies, or what it actually looks like to operate acquired businesses.

@benthompson – Ben Thompson

Ben Thompson is the author of Stratechery, one of the most respected tech and media analysis newsletters in the world.

His X account isn’t a traditional “finance” follow, but if you invest in anything adjacent to technology, media, or platforms, his analysis is required reading. He has a track record of being ahead of major industry shifts, and his framework for thinking about platform economics, aggregation theory, and competitive dynamics has influenced how an entire generation of investors evaluates tech companies.

He mostly tweets links to his latest Stratechery pieces, podcast episodes, and occasional opinions on current events.

Best for: Investors in tech and media who want deep structural analysis rather than surface-level takes.

Apple’s new ToS for podcasts claims that you can opt out of transcripts, but there is no option to do so in Podcast Connect.

If I wanted to provide a transcript, I would, as I do for Stratechery Interviews. Apple unilaterally deciding how I publish my content is not right. pic.twitter.com/s7ACBHL1Vj

— Ben Thompson (@benthompson)

@michaelbatnick – Michael Batnick

Michael Batnick is the Managing Partner at Ritholtz Wealth Management and the author of Big Mistakes: The Best Investors and Their Worst Investments, which is a better book than the title suggests. It focuses on what went wrong for legendary investors, which is usually more instructive than what went right.

His account covers market analysis, portfolio strategy, and behavioral finance. He co-hosts the “Animal Spirits” podcast with Ben Carlson (also on this list), and the two of them together are one of the most listenable duos in finance.

Best for: Investors who learn more from studying failures than successes, and anyone who wants a smart, grounded take on current markets.

Always fun chatting with the great @GuyDealership about the wild auto market. https://t.co/hPsAH357jQ pic.twitter.com/FdRWYwkdvG

— Michael Batnick (@michaelbatnick)

@AttainCap2 – Jeff Malec

Jeff Malec focuses on alternative investments, managed futures, and risk management. His account is more niche than most on this list, but if you’re interested in how professional allocators think about tail risk, volatility, and non-correlated returns, he’s one of the best follows on the platform.

He’s particularly good at reframing how people think about risk. Not just as volatility (the standard definition) but as drawdown magnitude, drawdown duration, and downside volatility, each of which matters differently depending on your situation.

Best for: Sophisticated investors interested in alternatives, managed futures, and non-traditional approaches to portfolio risk management.

Stop measuring the risk only as volatility (wind)

There’s drawdown magnitude (storm surge)

There’s drawdown duration (flooding)

And there’s downside volatility (tornado)

— Jeff Malec (@AttainCap2)

@WSJmarkets – WSJ Markets

The Wall Street Journal’s markets account is one of the fastest and most reliable financial twitter sources for breaking financial news on X. It covers global markets (stocks), economic data, and major corporate events as they happen.

No commentary, no hot takes. Just reporting. Which, on a platform full of opinions, is more valuable than it sounds.

Best for: Anyone who wants real-time market news from a source that doesn’t editorialize in their headlines.

Investors largely liked what they saw in Wednesday’s inflation report https://t.co/DduLQXJxyB

— WSJ Markets (@WSJmarkets)

@InvestorsLive – Nathan Michaud

Nathan Michaud is the founder of Investors Underground and has been day trading for over 15 years. His account shares real-time trading activity, including entries, exits, and the reasoning behind each. He’s one of the top trading accounts to follow on Twitter.

Day trading is a very different game than long-term investing, and most of the accounts in that space are selling courses rather than sharing real analysis. Michaud is one of the exceptions. He’s transparent about both wins and losses, which is how you can tell someone is actually doing the work rather than just performing it.

Best for: Active traders interested in day trading and swing trading with real-time market commentary from someone with a verified track record.

I have been trading full-time for over 15 years

Traded billions of shares.

Made a lot, lost a lot

Learned a TON along the way.

Making money as a trader is NOT easy but it IS possible.

This is the course I wish I had when I started trading.

And it is 100% free… pic.twitter.com/fmrzTC6AlK

— Nathan Michaud (@InvestorsLive)

@emmetlsavage – Emmet Savage

Emmet Savage is the co-founder and chief investment strategist of MyWallSt. He’s built a following by sharing his long-term investment philosophy and the reasoning behind his picks, including the mistakes.

His account is more accessible than many on this list, which makes it a good starting point for investors who are still developing their approach. He shares both analysis and the emotional side of investing, which is where most people actually struggle.

Best for: Long-term stock investors, especially those earlier in their investing journey, who want to learn from someone transparent about their process.

𝗪𝗵𝘆 𝗜𝗻𝘃𝗲𝘀𝘁 𝗟𝗼𝗻𝗴-𝗧𝗲𝗿𝗺? I can cite an abundance of values that long-term investing has given me personally.

But instead, let’s talk numbers…

In 150 years of stock data, S&P 500 investors had an 11.8% chance of loss after 10 years.

Read on…

— Emmet Savage (@emmetlsavage)

@RedDogT3 – Scott Redler

Scott Redler is the Chief Strategic Officer at T3 Live and T3 Trading Group. His account is a real-time feed of market movements, technical analysis, and short-term trading observations.

If you’re interested in technical analysis and want to see how a professional trader reads charts and price action in real time, his feed is one of the better ones on the platform. He’s been doing this publicly for years, so there’s a long track record to evaluate.

Best for: Traders and technical analysts who want real-time market commentary from a seasoned professional.

Remember the Art if the first day for $ARM. It needs to hold the opening price and take out a 5-15-30 minute high to prove there’s any opportunities for those not in the deal prior that trade after. As of now it’s indicating $61

— Scott Redler (@RedDogT3)

@OptionsHawk – Joe Kunkle

Joe Kunkle is the founder of Options Hawk and focuses specifically on options flow and unusual options activity. His account is specialized, covering real-time options trades, market patterns, and specific setups he’s watching.

Options are a niche within a niche, and quality accounts in this space are rare. Kunkle provides detailed analysis rather than just alerting to unusual activity, which is what separates his account from the dozens of “unusual options activity” bots on the platform.

Best for: Options traders looking for detailed analysis of market flow and specific options trade setups.

$IONQ up 8%, fresh highs, these up to 0.95 ha https://t.co/XZ7G4ee2ky

— Joe Kunkle (@OptionsHawk)

@Fxflow – Boris Schlossberg

Boris Schlossberg is the Managing Director of BKForex.com and has over two decades of experience in foreign exchange markets. His account covers forex analysis, macro trends, and the trading strategies behind his positions.

Forex is an area where the signal-to-noise ratio on X is particularly bad. Schlossberg is one of the few accounts in this space with real institutional experience and a willingness to explain his reasoning rather than just posting trade calls.

Best for: Forex traders and macro-focused investors interested in currency markets from someone with genuine institutional experience.

This is the secret of trading

Win–stay, lose–switch

From Wikipedia, the free encyclopedia
Win–stay, lose–switch (also win–stay, lose–shift) is a heuristic learning strategy used to model learning in decision…

— Boris Schlossberg (@Fxflow)

@VCBrags – VCs Congratulating Themselves

Every list needs a palate cleanser. VCs Congratulating Themselves curates the most self-congratulatory posts from venture capitalists and founders, and the result is genuinely hilarious.

Beyond the comedy, there’s actual value here. It’s a useful reminder that a significant percentage of the “thought leadership” on X is just people congratulating themselves in elaborate ways. Recognizing that pattern makes you a better consumer of financial content everywhere else on the platform.

Best for: Anyone who needs a laugh after scrolling through too many “I’m humbled to announce” posts.

Do you agree or disagree with this take?

— VCs Congratulating Themselves (@VCBrags)

How We Built This List

We focused on accounts where the person (or institution) behind it has a real, verifiable track record in their area. We excluded pure aggregators, hype accounts, and anyone whose primary business model is selling courses or subscriptions through attention-grabbing posts.

The list is intentionally diverse: public market investors, private equity operators, day traders, macro analysts, and educators. There’s no single “right” way to invest, and the best feed is one that exposes you to multiple frameworks for thinking about risk and return.

If we had one filter, it would be this: does the account share how they think, or just what they think? The accounts that explain their reasoning, especially when they’re wrong, are the ones worth following long-term.

Here’s a roundup of the accounts I follow and find consistently worth reading. The list includes well-known names in venture capital and angel investing, plus a few accounts that take a different angle on the space. Each entry includes a sample post so you can see what to expect before you follow.

@paulg – Paul Graham

Paul Graham co-founded Y Combinator and has shaped how an entire generation of founders thinks about startups. His tweets tend toward first-principles thinking about entrepreneurship, fundraising, and what makes companies succeed or fail. He writes with precision, and his posts are often referenced long after they’re published.

Bootstrapping is a proper subset of taking venture funding. Taking venture funding lets a company choose its growth rate. One end of this continuum is to raise zero dollars and just take whatever default growth rate you can get off your own revenues.

— Paul Graham (@paulg)

@naval – Naval Ravikant

Naval Ravikant co-founded AngelList and has invested in over 200 companies, including more than 10 that reached unicorn status. His tweets cover startups, wealth creation, and philosophy. He’s one of the few investors whose account is as useful for personal development as it is for business.

.@nireyal , author of “Hooked” and “Indistractable,” on distractions.

“So the first step to becoming indistractable is realizing that most of our distractions begin from within. We tend to blame the pings, dings, and rings, but that only accounts for 10% of our distractions.…

— Naval (@naval)

@sama – Sam Altman

Sam Altman is the CEO of OpenAI and former president of Y Combinator. His tweets cover technology, AI, startups, and broader economic and societal questions. He’s one of the most influential voices in tech, and his account is worth following whether you’re in venture capital or just trying to understand where the industry is heading.

i failed pretty hard at my first startup–it sucked!–and am doing pretty well on my second.

the thing i wish someone told me during the first one is that no one else thinks about your failures as much as you do, and that as long as don’t psych yourself out you can try again.

— Sam Altman (@sama)

@eladgil – Elad Gil

Elad Gil is an entrepreneur, investor, and author who co-founded Color Genomics and held early roles at Twitter and Google. He writes about market trends, startup strategy, and the venture capital industry. His feed is one of the more thoughtful in the space, with a good balance of analysis and practical advice for founders.

A founder I know was going to meet with a big name and asked for advice for meeting.

Tips
1. Start the meeting with agenda so person realize you will make good use of their time & show you prepped
2. Come with something useful for them. Intro they may not have within your…

— Elad Gil (@eladgil)

@Travis_Jamison – Travis Jamison

Travis Jamison is a repeat founder turned full-time investor, focused on lower middle market private equity and acquisitions of non-tech, cash-flowing businesses. He runs CapitalPad, one of the most widely used private equity co-investment groups for accredited investors. His tweets focus on why he moved away from venture capital into “boring business” acquisitions and where he sees the best risk-adjusted opportunities.

“I’ve invested in AI, but I’m actually far more interested investing in what AI cannot disrupt. Instead of me trying to figure out what AI will disrupt, I want to focus on what will continue along just fine in spite of AI advances.”

— Travis Jamison (@Travis_Jamison)

@rrhoover – Ryan Hoover

Ryan Hoover is a venture capitalist and the founder of Product Hunt. His account covers technology, startups, and product development. He regularly highlights interesting new products and services and engages in discussions about what makes products succeed. Good follow if you’re interested in the intersection of product thinking and investing.

Don’t overthink it pic.twitter.com/iGKXvRLZOv

— Ryan Hoover (@rrhoover)

@DavidSacks – David Sacks

David Sacks is the founding COO of PayPal, founder of Yammer (sold to Microsoft), and a partner at Craft Ventures. His tweets cover business strategy, industry trends, and broader economic topics. He’s opinionated and willing to take positions that other VCs won’t, which makes his feed more interesting than most.

When @elonmusk made necessary business changes at Twitter, the media reacted with hysterical melodrama: he was “starving” employees; the site was facing “imminent collapse.” But when Twitter Files exposed state censorship and Hamilton68 fraud, they react with defeaning silence.

— David Sacks (@DavidSacks)

@HarryStebbings – Harry Stebbings

Harry Stebbings is the creator and host of “The Twenty Minute VC,” one of the most popular venture capital podcasts. He also runs 20VC, a venture fund. His tweets cover VC deal-making, startup advice, and updates from his podcast episodes. He regularly interacts with other VCs and founders, which makes his feed a good window into what the community is talking about.

Sometimes people say WTF, you have a podcast and then raised $140M.

What no one sees;

2,850 episodes recorded.

7 years without a weekend off.

Countless missed birthdays and family occasions.

Overnight success, I think not.

— Harry Stebbings (@HarryStebbings)

@jason – Jason Calacanis

Jason Calacanis is one of the more prominent angel investors in Silicon Valley, with early bets on Uber, Robinhood, Trello, and Wealthfront. His feed is packed with startup advice, fundraising tips, and commentary on the tech industry. He’s not afraid to be blunt, which makes the feed more useful than the polished takes you get from most institutional VCs.

If you want to understand why tradmedia is collapsing, it’s because they’ve been replaced in “the age of expertise.”

When given the choice to consume an average journalist’s reporting or an experts take, consumers are increasingly picking the expert (or at least adding the… https://t.co/Q4JmEBTcb8

— @jason (@Jason)

@aileenlee – Aileen Lee

Aileen Lee coined the term “unicorn” and is the founder and managing partner of Cowboy Ventures, an early-stage fund whose portfolio includes Dollar Shave Club, Bloom Energy, and Guild Education. She’s an MIT and Harvard Business School graduate who has been investing since 1999. Her feed covers early-stage trends, portfolio company updates, and the occasional job posting.

It’s been 10 years since the original unicorn analysis (when we accidentally coined the term)

So, our @CowboyVC team dug into new data. The tech industry has changed a TON!

From 39 to 532 unicorns
Pendulum swung HARD from consumer to enterprise
Business types,… pic.twitter.com/Sfk8uPCp7T

— aileenlee (@aileenlee)

@joshk – Josh Kopelman

Josh Kopelman is the founder of First Round Capital, one of the top seed-stage firms. Since 2004, he has invested in more than 300 companies, including LinkedIn, Uber, and Warby Parker. He was an entrepreneur before becoming an investor, which shows in his concise, practical posts about company building and early-stage strategy.

A lot of startup advice sucks. Here is some that doesn’t.

The @firstround Review team collected the best company building advice we heard from builders at Figma, Shopify, Vanta, Webflow, Retool, Vercel & dozens of other companies to guide you through 2024.…

— Josh Kopelman (@joshk)

@ajay_bcv – Ajay Agarwal

Ajay Agarwal is a partner at Bain Capital Ventures with over 20 years of experience investing in early-stage SaaS and digital marketplaces. He’s been involved in the growth of SendGrid, SurveyMonkey, and Optimizely, among others. His tweets focus on SaaS metrics, AI, and where he sees innovation happening in B2B technology.

The day that many of us who use Office 365 for email and calendar is finally here! @getclockwise is now available to Microsoft users—a workforce of over 400 million employees across 40% of businesses.

Try it out and let me know what you think.https://t.co/ITxquaw3yX

— Ajay Agarwal (@ajay_bcv)

@sether – Seth Goldstein

Seth Goldstein is an entrepreneur and investor focused on digital media and technology. He has co-founded several companies, including DJZ and SocialMedia.com. His tweets reflect his experience as both a founder and investor, with perspectives on industry trends, market cycles, and the startup ecosystem.

Looks like I had the timing of this post pretty much spot on. https://t.co/ss8nZ9WkCv pic.twitter.com/1d8gsih7af

— seth (@sether)

@ganeumann – Jerry Neumann

Jerry Neumann runs Neu Venture Capital and is an adjunct professor at Columbia Business School. He’s been named one of Business Insider’s top 100 early-stage investors. His blog, Reaction Wheel, is one of the best long-form resources on venture capital theory. His Twitter account is a good complement, with shorter takes on VC dynamics, founder-investor relationships, and market structure.

VCs can help when you’re raising money, by making introductions to other VCs, by committing to invest in the round, and by vouching for you. This is the icing on the cake – and founders need to be the cake by doing their job to scale the startup.https://t.co/mIj1ExXtNO

— Jerry Neumann (@ganeumann)

@msuster – Mark Suster

Mark Suster is a partner at Upfront Ventures and a former entrepreneur with successful exits. His blog “Both Sides of the Table” has been a go-to resource for startup founders for years, and his Twitter account carries the same energy: candid, practical, and grounded in real operating experience. He’s one of the more direct voices in VC.

.@NikkiHaley was clearly right
– Calling it a “refugee camp” 70+ years later is false marketing. These are permanent communities
– UN aid groups clearly allowing $$ to fund terrorism

She saw this before many others. WaPo positioning super disingenuous. pic.twitter.com/WMiwJ6ggAg

— Mark Suster (@msuster)

@bfeld – Brad Feld

Brad Feld co-founded Techstars and the Foundry Group and has been investing in tech companies for over 30 years. He’s best known for his blog “Feld Thoughts” and his books on venture capital and startup communities. His Twitter account covers tech, entrepreneurship, and occasionally mental health awareness in the founder community.

Why 3D printing is vital to success of US manufacturing | FT Film https://t.co/rYJ2STGe6E via @FT

— Brad Feld (@bfeld)

@GuyKawasaki – Guy Kawasaki

Guy Kawasaki is the chief evangelist at Canva, a former Apple employee, and a VC and bestselling author. His Twitter account is built around his podcast, where he interviews entrepreneurs, authors, and business leaders. The episodes are a mix of inspiration and practical advice on entrepreneurship, product development, and marketing.

Join us as Joe Foster takes us behind the scenes of Reebok’s iconic journey. His autobiography, Shoemaker, reveals the secrets to their global prominence https://t.co/ZAexH4OeL1 pic.twitter.com/YUS5fPgnx0

— Guy Kawasaki (@GuyKawasaki)

@indievc – Indie.vc

Indie.vc is a VC firm known for challenging the conventional venture model. Their account is good at questioning the default assumptions in startup fundraising and growth. If most of the accounts on this list represent mainstream VC thinking, Indie.vc is the contrarian voice that forces you to think about whether the standard playbook actually works.

Sent privately from one of the most active angels in the game

“I’m so over the capital being pushed into so many companies with the expectation to build at a pace that will just kill them. It makes zero sense! Most of those investors don’t even understand the actual business!”

— indievc (@indievc)

@VCBrags – VCs Congratulating Themselves

This is a satirical account that pokes fun at the self-promotion and jargon common in the VC community. It’s run by the team behind Brags Ventures, and the humor is sharp enough to be worth following even if you’re not in the industry. With over 235K followers, the replies and quote tweets are often as good as the posts themselves.

“I agree with what Peter Thiel said in Zero to One, competition is for losers. That’s why I’m working on something nobody else is”

– Andrew, 28, founder of an AI girlfriend startup

— VCs Congratulating Themselves (@VCBrags)

Tips for Using Twitter as an Investor or Founder

Following VCs on Twitter gives you a direct window into how they think about markets, deals, and trends. A few things worth keeping in mind:

Use the mute and block functions generously. The signal-to-noise ratio on Twitter is terrible unless you curate your feed aggressively. Follow the accounts that add value, mute everything else.

Engage genuinely. VCs notice who responds with thoughtful comments. They also notice who’s clearly just trying to get attention. Be real or don’t engage at all.

Don’t use Twitter as your only source of information. It’s a good supplement to your research, not a replacement for it. The best investors combine social media with industry reports, direct conversations, and their own analysis.

Follow curated lists, not the algorithm. Twitter’s recommendation algorithm will flood your feed with noise. Build a private list of the accounts you actually want to read and check that instead of the main timeline.

Updated: April 2026

The industry offers numerous job opportunities across dozens of sectors and roles. If you are interested in a career in consumer nondurables, read on to learn more about the career paths available to you and the qualifications you will need to get started.

The Consumer Nondurables Sector Explained

The consumer nondurables sector produces goods that have a lifespan that is usually shorter than three years, or items that consumers quickly use up. These include:

• Food and drink
• Cleaning products
• Skincare and personal hygiene products
• Paper products
• Makeup and hair care products
• Fuel and oil products

Companies in this industry are responsible for the manufacturing, distribution, and sale of these products. They cater to a constant and consistent demand by customers. The industry itself is resilient to fluctuations in the economy, as shoppers will continue to purchase similar amounts of these items even when they are going through a financial crisis. While they may choose a more affordable product, they will rarely cease purchasing nondurables altogether.

The consumer nondurables industry employs roughly 5.5 million people in the USA, according to data from the Bureau of Labor Statistics. The majority of them are employed in food and chemical manufacturing.

Types of Jobs Available in Consumer Nondurables

Since consumer nondurables are such a vast and varied industry, the types of jobs you can apply for are numerous. You can find entry-level jobs that require very little to no training, as well as complex, high-stakes positions that require education and experience.

Here are eight types of jobs to consider:

1.   Supply Chain Manager

Supply chain managers are responsible for overseeing the process of getting consumer nondurable items manufactured and delivered to customers. They are in charge of procurement, scheduling, inventory management, and logistics.

Their main goal is to ensure that:

• items are delivered on time
• there are sufficient items in stock
• costs of production, delivery, and storage are kept to a minimum

In order to become a supply chain manager, you will likely need a BA in business or logistics. You will also need to acquire several certifications and undergo training, depending on the branch of the industry you choose to work in.

The median salary for supply chain managers in the US is $125,640.

2.   Production Manager

Another management role you can take on in the consumer nondurables industry is that of production manager.

Your job will be to oversee the manufacturing process of a specific item or class of items. You will need to hit certain production targets, all the while ensuring the efficient and effective use of all resources, including ingredients and staff.

You will also need to ensure that all of the equipment used in production is well-maintained and that the company adheres to various laws and regulations.

A BA in engineering or manufacturing is often required. Some employers also look for management and business skills, and there will likely be additional training involved too.

The median salary for production managers in the US is $121,846.

3.   Quality Assurance Manager

Quality assurance managers are a vital cog in all consumer nondurables manufacturing companies. They ensure that the products meet certain quality, safety, and performance standards.

This job comes with a lot of responsibility, so you will need to work well under pressure and be comfortable with stress and people management. You’ll inspect both products and processes and need to implement quality control systems to make the process as smooth as possible.

A BA in quality management or engineering is the usual requirement. You will also need to acquire additional certification, again depending on the type of products you oversee.

The median salary for quality assurance managers in the US is $126,926.

4.   Purchasing Manager

If you would like another kind of organizational and management career in the consumer nondurables industry, you can also look into becoming a purchasing manager.

Your job will be to coordinate all the procurement strategies and tasks of your company. This involves:

• negotiating contracts with suppliers
• keeping an eye on inventory levels
• working closely with the supply chain manager
• figuring out how to reduce waste

You will need to know how to work with people and manage a team of employees, and you will also need to be great with numbers.

You will likely need a BA in business or management, and there may be some additional training required to learn the intricacies of the production process.

The median salary for a purchasing manager in the US is $128,032.

5.   Brand Manager

If you are interested in a non-production-related role in the consumer nondurables industry, you can look into becoming a brand manager.

You will be responsible for developing and implementing the marketing strategy for all the different products your company makes. You’ll need to:

• do market research
• analyze your target audience
• create promotional materials
• run a wide range of marketing campaigns, both online and offline

A BA in marketing will be a good place to start, but you can also get started in this career path if you have a degree in business.

The median salary for a purchasing manager in the US is $133,310.

6.   Sales Manager

If you are interested in a sales-oriented role, you can get a job as a sales manager in the consumer nondurables industry.

Your main task will be to increase the sales of your company’s products. This will involve:

• creating and executing various sales strategies
• developing and nurturing relationships with buyers
• often, managing a sales team

You’ll need to know how to manage people, monitor the performance of sales campaigns, and, most importantly, how to sell.

A BA in business, marketing, or communications will be useful, or equivalent experience in a similar role.

The median salary for a sales manager in the US is $136,584.

7.   Pharmacy Technician

If you would like a much more hands-on career in consumer nondurables, you can get a job as a pharmacy technician.

This will involve:

• preparing medications
• fulfilling prescriptions
• answering patient questions
• maintaining the pharmacy’s inventory

You will need at least an associate degree from a college or university to get started, and there will certainly be additional training involved.

The median salary for a pharmacy technician in the US is $39,500.

8.   Food Scientist

Another hands-on job in the consumer nondurables industry is that of a food scientist.

Your job will involve preparing and storing edible products. You’ll need to understand how to:

• ensure the production of a product is sustainable
• streamline the manufacturing process
• estimate your output

You’ll also be in charge of providing information for food labels and designing quality assurance policies.

You will likely need a BA in dietetics and nutrition or food science.

The median salary for a food scientist in the US is  $66,570.

Points to Consider Before Choosing a Career in Consumer Nondurables

Here is what you need to know about working in the consumer nondurables industry before you decide to pursue a career in it:

• You may need a very specific degree or certification, which can require a lot of time to acquire.
• You’ll need to stay up-to-date with laws and regulations, as well as the latest developments in your specific sector. This will require vigilance and continuous effort.
• The work you do can be very challenging and time-constrained, so be prepared to work under stress and tight deadlines.
• You may need to work in shifts, and there may also be long hours involved.

Advantages of Working in Consumer Nondurables

Now that you are aware of the potential challenges, here are the potential advantages of working in the consumer nondurables sector:

• The industry tends to be highly stable and resilient to economic challenges.
• A wide range of jobs and career paths are available, providing room for growth and improvement.
• Many positions offer attractive salaries and benefits packages, especially in senior roles.
• The skills you develop will be highly transferable, so you can easily move to another industry if you ever want to.

Frequently Asked Questions about Careers in Consumer Nondurables

How Do I Embark on a Career in Consumer Nondurables?

You will most likely need a specific bachelor’s degree and potentially certain certifications. Check the requirements for the role you are interested in to get started.

Are Consumer Nondurables Jobs Secure?

Jobs in the consumer nondurables industry tend to be highly secure. Even if the company you currently work in closes, you will be able to find a role in another company relatively easily.

Can I Work Remotely in a Consumer Nondurables Job?

While some roles in the consumer nondurables sector may offer remote career opportunities, you will most likely need to work on-site.

What Are the Biggest Companies in the Consumer Nondurables Industry?

Some of the biggest names in the consumer nondurables industry you’ve probably heard of are Unilever, Coca-Cola, PepsiCo, Procter & Gamble, Nestle, Kellogg, and Mars.

Wrapping Up

There are numerous jobs available in the consumer nondurables industry, in various roles and segments. While you may need a specific degree or qualification to get started, don’t be intimidated. You can choose from plenty of entry-level jobs that will provide on-the-job training and help you get your foot in the door.