Young people should do a systematic saving plan. Again a portfolio will help. Keep some for saving for ten year plan Keep 50% of money available in investment Out of this 50% Diversify into earnings play, Swing trade ETF like mags, S&P 500, small caps. I am not a fan of dividend stocks I go for capital appreciation and swing trade instead. So systematically planning say weekly reviews will help. Also check with a mentor and read before investing/ saving plan.