How to Make Money in Stocks in 2021

Buying stocks during a pandemic is hardly different than buying stocks at other times. Follow these simple tricks to start making money in stocks today.


If you’re looking into investing in stocks right now, you’re probably wondering how you can best invest in stocks during a pandemic.

Here’s what might surprise you: The stocks to buy during coronavirus aren’t really that different than the stocks you should buy normally.

But let’s go back to the basics for a second. Investing in stocks is one of the most important financial skills you need to master. On average, stocks have given an annualized return of around 10%. At that rate, your money doubles every 7.2 years.

Let’s say you start with $10,000. After a 40 year career, that turns into at least $320K from doubling 5 times. That’s from a single $10,000 investment.

I’m going to level with you. You can’t get rich off just your salary. Savings and bonds won’t do it either, the return isn’t high enough to make an impact during your lifetime. Stocks are the key.

No matter your income, you will get rich off stocks as long as you start investing early, keep investing, and never sell.

Anyone can do this. You don’t need to be a financial wiz, have insider access, or a ton of time. I spend a few hours per YEAR managing my portfolio. Time and consistent contributions will make you a millionaire.

That’s why I have compiled a list of easy things you can start doing from today to make money in stocks. Let’s get right into it.

How to Make Money in Stocks at a Glance:

  • 2 Rules for Making Money in Stocks
    • Stay Invested in the Stock Market
    • Stop Timing the Market
  • The Best Way to Invest in Stocks
    • How to Pick Individual Stocks
    • Automate your Investments
  • The First Step to Making Money in Stocks

2 rules for making money in stocks:

The quicker you realize that the stock market is not sexy, the faster you will start making money from it. For 99.9% of people, investing in stocks is nothing like what you saw in The Wolf of Wall Street. It’s also not listening to the so-called “financial experts” on news channels and buying their hottest stocks of the season.

All of that is noise. It won’t help you make money in stocks. Successful stock market investing is all about being patient and staying in the market for many years.

Which brings me to…

Back to Top

Rule #1: Stay invested in the stock market

It’s very easy to panic and sell stocks whenever there’s a big drop in the stock market. However, selling your stocks at the slightest fall or when they are down could be the worst financial decision you can make.

When the markets fall, everyone is talking about the next recession or how things are only going to get worse. I get it. Downtrends are scary. But remember that they appear worse than they actually are because of how much they are discussed and analyzed.

When you are panicking, first of all, take a deep breath.

Since 1900, we’ve seen some real disasters there have been many reasons for the market to fall and not rise:

  • The Great Depression
  • World War 1 and World War 2
  • Cold War
  • 9/11 Terror Attacks
  • Asian Financial Crisis
  • Dot-com Bubble
  • The 2008 Recession

Through all this, markets have continued to grow at about 10% per year.

Bonus: Having more than one stream of income can help you through tough economic times. Learn how to start earning money on the side with my FREE Ultimate Guide to Making Money

Here’s another fascinating stat that I love. In the months following a 10% drop since 1900, this is how much the markets have risen in the immediate future on an average:

  • 1 Month: -0.1%
  • 3 Months: 7.5%
  • 6 Months: 11.1%
  • 12 Months: 14.6%

What does this tell you?

The stock market has ALWAYS gone up every time it has fallen. So, don’t panic when it goes down. Trust how stock prices have always behaved. In fact, when they fall, try to buy more stocks.


Rule 2: Stop timing the market

My oh my, I have heard about people trying to time the stock market so many times.

  • “I’m just waiting for the next dip before buying in.”
  • “I wouldn’t invest right now because the stock market is too expensive.”
  • “I sold my stocks because the markets made an all-time high.”

Everyone is trying to buy low and sell high. Even Financial advisors are always trying to time the market.

Being able to consistently identify highs and lows is a very difficult skill. Even the people who have spent all their lives trying to master it are not successful at it. It’s impossible to do consistently.

Guess what the most likely outcome is when the stock market hits a new high? More highs! By waiting, you miss out on more gains.

Same thing happens when times are bad. The biggest gains come after the biggest drops. If you try to wait for the market to be “all-clear,” you’ll miss out on them. And you won’t get anywhere close to that 10% annual return.

Here’s something that very few people know about the stock market.

A study in 2020 released findings that will blow your mind. It found that if you were not invested in the market for the 10 best days (the days when the market rose the most) of the stock market between 2004 and 2019, your returns would have dropped by an astounding amount. For example, here’s how a $10,000 investment would have grown in that period if you had:

  • Stayed invested all days: $36,418 at 9% annualized return
  • Missed the 10 best days: $18,359 at 4.15% annualized return
  • Missed the 20 best days: $11,908 at 1.17% annualized return
  • Missed the 30 best days: $8,150 at -1.35% annualized return
  • Missed the 40 best days: $5,847 at -3.51% annualized return

Missing just the 10 best days cuts your returns by more than half. If you missed the top 20, you are just about breaking even (in fact, you are losing money because of inflation).

Trying to time the market can be DEVASTATING. Ignore the news and invest every month like clockwork. That’s how you make the most money.

Ready to ditch debt, save money, and build real wealth? Download my FREE Ultimate Guide to Personal Finance.


The best way to invest in stocks

Index funds.

They are the best way to make money in stocks. Index funds put their money in indexes like the S&P 500 or the Russel 1000. Index funds are passive, their fund managers don’t keep buying and selling stocks to “beat the market”. In fact, their objective is to be the market.

A lot of research has shown that active fund managers fail miserably while trying to beat the market. In fact, more than 90% of actively managed funds fail to beat the index. So the index fund approach ends up earning a better return. They also have less risk since you’re exposed to the entire market. If some random company implodes and the stock goes to $0, it doesn’t matter.

They’re also a lot easier to run, so the fees are lower. The taxes are lower too since the fund managers aren’t buying and selling all the time.

Index funds really are a free lunch:

  • Lowest costs
  • Better returns
  • Lower taxes
  • No effort
  • Less risk

You can also diversify easily through index funds. By nature, they help in diversification, but you can go a step further. You can pick a few index funds across US stocks, international stocks, and bonds. A lazy portfolio like this gives you lots of upside and low amounts of risk that’s super easy to manage.

I recommend making at least 90% of your portfolio through index funds.

Bonus: Ready to start a business that boosts your income and flexibility, but not sure where to start? Download my Free List of 30 Proven Business Ideas to get started today (without even leaving your couch).

How to pick individual stocks (if you must)

I understand you will have the itch to buy individual stocks.

But I am not going to sugarcoat it. Buying stocks is brutally hard.

The odds of successfully picking individual stocks are very low.

From 1926 to 2015, there have been 25,782 distinct stocks.

During these 90 years, the stock market rose $32 Trillion in value. Half of the gains came from JUST the top 86 companies. 86 out of 25,728! The remaining wealth was generated by the top 1000 stocks. That’s only 4% of all the companies.

The odds of success by buying individual stocks are very slim. Just 4%.

That’s why I recommend using only the remaining 10% of your investment capital to buy individual stocks.

I pick a few stocks myself but I keep it well below 10%. I get to scratch the stock-picking itch, eat plenty of humble pie, and then get back to my day.

Have fun with 10% of your portfolio, just don’t go beyond that. Keep the other 90% really boring. You’ll make a lot more money.

Advanced Tip: If you’re really smart, instead of investing in individual stocks that have a very low chance of being successful, you could use that remaining 10% to invest in yourself. You might see even greater returns when you invest in your career or a business. Plus when you invest in yourself, your gains aren’t capped at 10-15%. Instead, you could earn 1,000% or more.

If you’re worried about your personal finances, you can improve them without even leaving your couch. Check out my Ultimate Guide to Personal Finance for tips you can implement TODAY.


Automate your investments

I’m a huge fan of automating investments. Go into your investment accounts and set a specific amount to get transferred automatically every month

Automating achieves three purposes.

First, you are not trying to time the market. Investing each month allows you to average out the gains and losses. It also makes for smoother returns. When you invest each month, if the market is high, your portfolio still grows. If the market is low, you are buying stocks at a comparatively lower price which will eventually go up.

Second, you don’t forget to actually invest. By setting up automatic investments, you are truly embracing the “set it and forget it” strategy. You’re not relying on yourself to invest. We all forget to do things. With investing, forgetting to invest will rob you of more returns than any recession will. Don’t rely on willpower or your memory, get it automated so you never have to worry about it again.

Third, you can spend freely on the rest. By setting up an automatic transfer to trigger right after you get paid, it never feels like you had the money in the first place. Set up transfers for your investments and savings, set aside enough money for major bills like rent or a mortgage, then spend the rest freely until next month. You’ve done the hard work of taking care of your future by setting up the automatic investment, now go enjoy yourself by living your rich life. Automatic investments allow you to enjoy the present while securing your future. You can have it all.

Bonus: Want to turn your dream of working from home into a reality? Download my Ultimate Guide to Working from Home to learn how to make working from home work for YOU.

The first step in making money through stocks

Armed with this new knowledge, you are in a great position to make money in stocks.

The first step is to set up a brokerage account to buy stocks or index funds. We recommend Vanguard, TD Ameritrade, or Fidelity. All are great options for opening your first account.

But if you want to maximize your earning potential, check out my free guide to making more money below. I’ll give you my best tips and strategies so you can start earning extra cash in as little as an hour

1 -Lower Transactional Costs

Ms. Austin says, “right now, crypto transactions are complex, and if you’re using an unfriendly middleman to convert your transactions to fiat currencies, you could pay a hefty amount—but on the whole, cryptocurrencies are designed to support lower transactional costs, since you don’t have to go through a bank to process your payment. Those lower transaction costs could help you offer a discount to your customers; advertising that you’re switching to a new system of payment that will allow you to lower your prices will be a popular point for your advertising campaign.”

2 – The Crypto-Community Welcomes It

If the cryptocurrency community finds out you accept their preferred currency, especially the ones around the cryptocurrencies you accept, they’ll go out of their way to support your business and promote it to their friends and contacts within the community. “Crypto enthusiasts are serious about making their preferred currency go mainstream, so they’ll be thrilled to hear your business legitimizing it. If crypto community members have a strong overlap with your target demographics, this could be enormously beneficial,” Austin explained.

3 – Competitive Differentiation.

Accepting any cryptocurrency could instantly differentiate you from your competitors, giving you one more advantage in the race to win more market share.

4 – Opening Up Media Coverage and Brand Awareness To A New Space

Deciding to accept cryptocurrency is a perfect opportunity to write and syndicate a press release. “Chances are, you’ll get some media coverage out of the deal—especially if there aren’t many businesses in your location or in your industry currently doing the same,” she said. This builds brand awareness and might help you reach some potential customers who might otherwise never have heard of you. 

5 – Your Business Has The Potential To Become A Thought Leader

Many people see cryptocurrency as the currency of the future. “If your company is one of the early adopters of cryptocurrency, you’ll be seen as forward-thinking, and willing to take risks for the sake of progress. This reputation is beneficial to almost any brand, since it demonstrates you as a thought leader, within your industry” Ms. Austin told me.

How to Make the Most of It

Let’s say you’ve decided to start accepting cryptocurrency in your business. What now?

  • Lead with an awareness campaign. Your entire campaign should start with an effort to raise awareness of the fact that you’re now accepting cryptocurrencies. Get a press release syndicated, adjust your signage to show your support, and send out emails and social media posts that broadcast your new acceptance.
  • Cater to the crypto community. Don’t be afraid to get involved on cryptocurrency forums and other places of discussion; these are the best places to get in contact with crypto community members. The more active your brand is on these forums, the more attention you’ll bring yourself.
  • Make references to your acceptance frequently. In your other marketing and advertising materials, make sure to reference the fact that you’re accepting cryptocurrency. For example, you could include a small tagline at the end of a video ad that states, “Now accepting cryptocurrencies like Bitcoin, Litecoin, Bitcoin Cash, and SmartCash for all payments.”

The cryptocurrency market is set to hit $1 trillion this year, so the risks are going down as the benefits continue to rise. If you want your company to be seen as an early adopter, you may not have much more time to act. There are plenty of benefits to be gleaned—in both your marketing and finance departments—so consider your options carefully. Austin will be speaking about this at Blockshow Europeand SAP SAPPHIRE NOW conferences next month. 


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 LinkedIn is a popular social network with a purpose. While other social networks like Facebook and Twitter are more focused on your personal life, LinkedIn is all about professional networking. NS. Build a group of contacts to advance your career.  More and more companies are using LinkedIn to screen and hire potential employees. That’s why creating a LinkedIn account can make a difference when looking for your next job. After registering, you can add information to your profile page. Your profile page is a summary of your skills and employment history that serves as an online resume.

It is known as the world’s leading digital goods retailer. An online store selling everything imaginable, from retro coffee tables and velvet hangers to the most durable extendable garden hoses. We’re talking about awesome An American customer service company headquartered in Seattle, WA is considered one of the most successful companies in the world. From electronics, music and home furnishings to furnishings, personal items and sporting goods, categories offer “the largest selection on the planet”.

When I found out that Facebook poured more than $16 billion into WhatsApp yesterday, I asked “What is WhatsApp?” You weren’t the only one. The app has proven its worth, but at least in the market it is not as popular in the US as Europe, Latin America and India.  WhatsApp is a messaging application that allows users to text messages, chat, and share media including voice messages and videos with individuals or groups.  WhatsApp uses your data to send messages like iMessage or BBM, so it doesn’t conflict with your monthly text selection.  Facebook has a messaging app called Messenger, but its popularity lags behind WhatsApp, and Facebook took the top spot as a result of the acquisition. We also provide Facebook with approximately 450 million phone numbers, which are important information for ad-based businesses like Facebook.

If you are a teenager or teenager, you know about Snapchat. If you don’t know how it works, you’re probably over 25. As one of the most popular social media apps, Snapchat gives kids and teens what they really want. In other words, it’s an easy way to create a great look while sharing everyday moments.  And unlike Facebook or Twitter, which records and broadcasts everything you do, Snapchat uses messages that should disappear.  All you need to register is your name, email address and date of birth. Snapchat users grab the handle and Snapchat users are drawn to silly names. To add friends, you can upload your contacts or search for your friends. You can also add someone automatically by taking a picture with a special QR code “Snapcode” that is unique to each user. After that, things get a bit confusing. On Snapchat, communication usually begins with pictures, not text. To start a conversation, tap the large circle on the camera and take a picture.

YouTube is a video sharing website. Millions of users around the world have created accounts on the site where they can upload videos for anyone to watch. Over 35 hours of video are uploaded to YouTube every minute.  When YouTube was created in 2005, it was designed to allow people to post and publish original video content. But since then, it has become an archive for your favorite clips, songs, and anecdotes, as well as a marketing site for companies promoting their products.  The term “viral video” is widely used these days. These are videos people liked so much that they shared the link via email with millions of other people around the world. It actually spreads like a virus.

Facebook’s beginnings are so far away from us, it’s hard to remember that this now monolithic entity was once a fledgling startup.  Facebook aims to create real connections with real friends, so the stories that come out will capture the interest of those who receive them because they matter to their creators. At this point, Facebook’s rhetoric is firmly established around a central concern that allows users to share their lives on the site in every possible way possible. For Zuckerberg, sharing is a connection, and the more information people post on Facebook for friends and family, the better everyone’s life will be.

Basically, Instagram is a social networking application that allows users to share photos and videos with their friends. The app can be downloaded for free from regular app stores and featured prominently on many young smartphones (and up!.  When a user takes a photo, Instagram’s filters – of which there are dozens – can transform the image in a way reminiscent of old Polaroid prints. The profile is automatically published when the user logs in for the first time. This means that photos and videos created and shared in the app will be visible to all users. You don’t have to expose yourself to the obvious privacy issues this brings. Find out how to post privately at the end of this article

 Telegram may be one of the most popular messaging services in the world, but many people still don’t know what it is. Telegram is a multi-platform messaging service founded by Russian entrepreneur Pavel Durov. First introduced on iOS and Android in late 2013, it now has an estimated 550 million monthly users. Telegram’s user base tends to grow as privacy scandals hit one of the bigger competitors . What makes Telegram unique is its emphasis on privacy, encryption, and an open source API. There are countless unofficial clients accompanying Telegram’s official web interfaces and applications.