11d • Stocks & Fundamentals
Getting Started: 🌊 6 Steps to Investing in the Stock Market + Infographic
🌊 The 6 Steps to Start Investing — The River of Wealth Pathway
Before you buy a stock…
Before you place a trade…
Before you choose a strategy…
You need clarity on the type of investor you want to be.
Inside River of Wealth, we use the Stream → River → Rapids framework to match your investment style to your lifestyle.
These are the 6 steps every beginner should follow. Let’s dive in. 🌊
🟦 Step 1: Choose Your Path — Stream, River, or Rapids
Ask yourself: How much time and energy do I want to spend investing?
The Stream — Passive (1–2 hrs/year)
“My money flows on its own.”
- Robo-advisors
- Index funds
- Automated deposits
- Zero stress
The River — Semi-Active (1–2 hrs/week)
“I’m learning to guide my wealth.”
- Buy great companies
- Watch price movement
- Buy dips
- Build skills
The Rapids — Active (3–5 hrs/week)
“I create cashflow from the market.”
- Cash-secured puts
- Covered calls
- Defined-risk strategies
- Monthly income
Your path determines your entire approach.
🟩 Step 2: Open the Right Brokerage Account
If you’re in The Stream (Passive):
Use a robo-advisor:
- ✔️ Wealthfront
- ✔️ Betterment
If you’re in The River or Rapids:
Open an account at:
✔️ Charles Schwab
(Schwab owns Thinkorswim — the best charting & trading platform.)
Start with a taxable brokerage account.
🟧 Step 3: Deposit Your First Investment Amount
Start simple and consistent:
👉 $500–$1,000 to begin👉 Add weekly or monthly deposits👉 Focus on consistency over size
Your wealth builds from steady flow.
🟥 Step 4: Build Your Foundation (Your Portfolio Bedrock)
Begin with broad, diversified ETFs. These give you instant exposure to hundreds or thousands of companies.
🇺🇸 Core Holdings (U.S. Exposure)
- VOO – S&P 500 ETF (my #1 pick)
- VTI – Total U.S. Stock Market ETF
🌍 Balanced Add-On ETFs
- VXUS – International stocks
- BND – U.S. bond market
🚀 Growth Add-On ETF
- QQQ – Tech-heavy Nasdaq-100
This becomes your long-term riverbed.
🟪 Step 5: Create a Simple Portfolio Allocation (Based on Your Path)
Match your allocation to your investor type:
🟦 If you’re in The Stream (Passive):
- 90–100% → VOO or VTI
- 0–10% → CashOptional: Small amounts of VXUS or BND
🟩 If you’re in The River (Semi-Active):
- 50–65% → ETFs (VOO/VTI + VXUS)
- 10–20% → QQQ (growth engine)
- 10–20% → Individual stocks
- 10% → Cash
🟥 If you’re in The Rapids (Active + Cashflow):
- 40–60% → Core holdings
- 10–30% → QQQ
- 20–40% → Cash for CSPs
- 0–20% → Stocks/LEAPS
Your allocation should always match your time, skill, and goals.
🟫 Step 6: Learn the Strategy That Matches Your Path
If you're in The Stream:
- Automate deposits
- Stick with ETFs or a robo-advisor
- Rebalance yearly
If you're in The River:
- Learn stock behavior
- Buy great companies during dips
- Build long-term positions
If you're in The Rapids:
Start with:
- 20–30 delta Cash-Secured Puts (CSPs)Then add:
- Covered Calls
- Plus rolling + risk management
This is where investing becomes a cashflow business.
🌊 👇 Comment Below: Which Path Are You Starting In?
Stream? River? Rapids?
Your River of Wealth journey starts right here —and I’ll guide you every step of the way. ✌️🌊
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Getting Started: 🌊 6 Steps to Investing in the Stock Market + Infographic
skool.com/riverofwealth
Stocks. Options. Abundance. A community where mindset meets mastery and multiple streams flow into one river of wealth.
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