Stocks represent ownership shares in a company. When you buy a stock, you become a part-owner of that company and can benefit from its growth through price increases or dividends.
Investing 101
Learn how to grow your
money over time
Investing isn’t just for experts. This guide explains how it works, why it matters and how you can start building an investment portfolio that suits your goals. Whether you want to earn passive income or plan for the future, this is where your journey begins.

Your takeaways
Learn to build a balanced portfolio across stocks, ETFs, and other investments.
Grow your money step by step and get ready to make your first investments.
1. Start with the investment basics
This section explains the key principles of investing – from how you can earn returns on your money to the role of risk and diversification. It's the foundation you need to make informed choices.

How do investments earn you money?
Learn how to invest your money wisely, explore different investment options and build long-term wealth through strategy and diversification.
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How does passive income work?
Earn passive income with minimal effort and unlock financial freedom. Explore smart ways like investing, renting or selling digital products.
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the magic triangle of investing
Understand how returns, risk and liquidity work together in the magic triangle to shape smarter investment decisions.
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What is a savings plan?
A savings plan helps you invest regularly and build long-term wealth with small amounts.
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What is dollar cost averaging?
Invest regularly and reduce risk with the cost average effect, a smart way to smooth out price volatility over time.
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How to diversify your portfolio?
Diversifying reduces risk and keeps return opportunities open. Learn how to spread your capital smartly.
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2. Understand the market
Markets go up and down, and knowing why helps you stay calm and focused. Here, you’ll learn how to read market movements and understand key concepts like volatility and investor sentiment.

What is market cap?
The market cap refers to the total value of a cryptocurrency. Learn how to calculate it, how it works, and what it means for the crypto world.
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What is a bull market?
A bull market is when prices rise over time. It signals optimism and growth.
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What is a bear market?
A bear market is when prices fall steadily. It reflects caution and uncertainty.
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What is the fear and greed index?
Stock and crypto markets are heavily influenced by the emotions of greed and fear. Learn how it’s calculated and how you can use it to your advantage.
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What is volatility?
Learn how price fluctuations arise, what types of volatility exist, and how investors use them for risk analysis and investment decisions.
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3. Explore different types of investments
From stocks and ETFs to commodities, each investment type works a bit differently. This section helps you understand how they function and how you can start investing in them.

Investing in securities
Learn how to build long-term wealth and sensibly diversify your portfolio with stocks, ETFs and ETCs.
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What is a stock?
Learn what stocks are, how they work, what types exist and what to consider when investing.
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What is an ETF?
ETFs simply explained: Find out how they work, the different types and how you can invest with Bitpanda.
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What are commodities?
What are commodities and how can you invest in them? Learn all about the types, opportunities and strategies around commodities.
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4. Investing in precious metals
Precious metals like gold, silver, platinum, and palladium have long been considered safe-haven assets. They tend to hold their value during times of economic uncertainty, making them a popular choice for diversification. In this section, you’ll learn:

How to invest in precious metals
Explore gold, silver, platinum and palladium as smart investment choices. This guide helps you compare physical, ETF and digital formats.
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Investing in gold
Gold as a crisis-proof investment: Find out why gold has stood the test of time, which forms of investment exist and whether entering is worthwhile.
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5. Compare and combine investments
Mixing different types of investments can help balance your risk and returns. Here, you’ll learn how to compare assets and build a strategy that fits your goals.

Stocks vs. Derivatives
Stocks or derivatives? Find out how these financial instruments differ, from ownership & rights to risks and use cases.
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Stocks vs. ETFs
Discover the main differences between stocks and ETFs, opportunities and risks and how you can combine both sensibly.
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How to invest in stocks
How to invest in stocks: learn how to buy shares, start investing in stocks and how stock trading works.
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How to invest in ETFs
iscover how to invest in ETFs the right way, including how to choose suitable ETFs, how to trade ETFs set up a savings plan and define your strategy.
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This article is distributed for informational purposes, and it is not to be construed as an offer or recommendation. It does not constitute and cannot replace investment advice.
Bitpanda does not make any representations or warranties as to the accuracy and completeness of any information contained herein.
Investing carries risks. You could lose all the money you invest.