this poor kid needs to be told it’s OK to sit out this market in cash and read read read before doing anything
Wall Street has no rationality and will gobble up her hard earned savings faster than a trip to Best Buy
However she might choose a collectible that interests her and start small- buying Morgan dollars or French gold francs or US Mint proofs, for example
Good point about the coins. If she were to study just a little about the prices of rare coins she’d see they have been going up and up over the years.
Invest in a few high grade colonials, an MS65 1909 S VDB Cent - strong rarities have a strong return.
Better choices for a 20-something:
* Pay off any student loans and all other debt. The ability to put something back for retirement doesn’t mean debt free. And the interest rate on her debt is her rate of return for paying it off.
* Build up a large cash cushion for down payment on an eventual home. That counts as investing in real estate when she’s ready.