Q&A with Apricot: How to Start Investing?

Starting to invest can feel overwhelming, especially if you’re new to the world of finance. That’s why we created Apricot Academy to help people discover the possibilities of investing by educating themselves. In this Q&A, we’ll walk you through practical steps to get started and show you how Apricot Capital and Apricot Academy can support you every step of the way.

Step 1: Educate Yourself with Apricot Academy

Before diving into investing, it’s crucial to understand the basics. Apricot Academy offers free, beginner-friendly resources to help you learn about investing at your own pace:  

• The Apricot Investor’s Glossary | Explore key financial terms like “stocks,” “bonds,” “ETFs,” and “indices.” Each post breaks down complex concepts into simple, beginner-friendly definitions.  
• Q&A Series | Our Q&A posts, like this one, answer common questions about personal finance and investing.
• Apricot Talks: The Smart Investor’s Podcast | Listen to episodes that cover important concepts a beginner investor should know. It’s a great way to learn on the go, whether you’re commuting or relaxing at home.  

Step 2: Define Your Goals and Risk Tolerance

Investing is personal, so start by asking yourself: Why am I investing?

Are you saving for a house, planning for retirement, or building wealth for your family? Your goals will shape your investment strategy.  

Next, consider your risk tolerance. Are you comfortable with the ups and downs of the stock market, or do you prefer safer instruments like bonds? Understanding your goals and risk tolerance will help you choose the suitable investments, whether they’re high-growth stocks, diversified ETFs, or low-risk government bonds.

Step 3: Create a Budget and Start Small

Investing doesn’t require a fortune. Begin by reviewing your finances and creating a budget to free up money for investing. A simple rule is to “pay yourself first” by setting aside a portion of your income (starting from 5–10%) for savings and investments.  

Don’t worry about starting small—consistency is key. Even 10,000 AMD per month can grow significantly over time with the power of compounding.

Step 4: Open a Brokerage Account with Apricot Capital 

To start investing, you’ll need a brokerage account. With Apricot Capital, you can open a brokerage account for free and enjoy competitive commissions that make investing affordable. Our platform allows you to invest in a wide range of instruments, while our mobile app will help you manage your investments on the go.

Step 5: Build Good Investing Habits  

To succeed as an investor, you can develop habits that keep you on track:  

• Automate Investments | You can set up automatic transfers to your brokerage account to invest regularly.  
• Diversify | You can spread your investments across different assets or invest in diversified instruments to reduce risk.  
• Stay Informed | You can keep learning with Apricot Academy and follow market news with Investor’s Brief, a special collaboration between Apricot Capital and News.am, to follow the market news.  
• Review Regularly | You should check your portfolio quarterly to ensure it aligns with your goals.

Ready to Start?

Open a brokerage account for free and download our Apricot app from the App Store or Google Play. Learn more about investing in Apricot Academy. 

It’s important to remember that investments are subject to market fluctuations and carry inherent risks. Consider your financial goals and risk tolerance before investing.

Apricot Capital is regulated by the Central bank of Armenia.

*The examples in this text are for illustrative purposes only. This does not constitute investment advice or a recommendation to buy or sell any specific investment instrument. The past performance mentioned in this text is not indicative of future results.