How to Make Money on Stocks from Scratch in 2025: A Guide Against Fear and Ignorance

Interest in financial assets in 2025 has grown exponentially: inflation is eating away savings, and bank interest rates have ceased to bring real profit. Against this background, the question of how to earn money on stocks from scratch is increasingly arising.

You can start without millions in capital and an economic education. The main thing is to understand the basic principles and choose the right strategy. Securities are not a game but a tool available to anyone willing to think rather than blindly risk. Let’s take a closer look in the article.

Money without a diploma: starting from scratch

Economic stability is a thing of the past, and deposit returns are more of a reason for irony. In 2025, the stock market became a magnet for millions: according to the Moscow Exchange, the number of private investors exceeded 13.7 million.

The question “how to earn money on stocks from scratch” no longer sounds like a mere shaking of the air. The minimum entry threshold starts from 1000 ₽, commissions from 0.03%. All you need is a smartphone and a basic understanding of the processes. Brokers have simplified access, integrated education, tips, and analytics.

Investments have become not a choice but a defensive reaction to the devaluation of money. Now the winner is not the one who takes risks, but the one who calculates.

Platform for starting: where to open an account

Choosing a broker in 2025 is not about the aesthetics of the interface but about security, convenience, and benefits. In Russia, there are over 40 licensed companies, but not every one of them will be convenient and understandable for a novice investor. Key criteria: Central Bank of Russia license, clear terms, low commissions, access to analytics.

Earning money on stocks from scratch is a question that cannot be answered without a reliable guide.

Among the popular platforms are:

1. “Tinkoff Investments” — for simplicity.
2. “BCS” — for analytics.
3. “Sber Investor” — for ecosystem convenience.

All provide access to leading stock exchanges and offer demo access.

Licensed brokers

The range of commissions may surprise: some offer 0.03%, others 0.02% or lower. The difference may seem trivial, but with continuous stock market activity, it becomes significant. Choosing a broker is a calculation, not trust based on emotions. Conditions, individual investment accounts, commission-free stocks, interface — everything matters.

How to quickly and error-free open an account: list of actions

The process takes about 30 minutes. The algorithm is the same:

1. Choose a licensed broker.
2. Download the application or visit the website.
3. Register, upload documents.
4. Pass verification.
5. Sign the contract.
6. Fund the account.

After activation, access is open. But without understanding how to earn money on stocks from scratch, even the perfect platform will not bring results.

Types of securities and what to do with them

These securities have repeatedly confirmed their status as volatile investments. They can rise, fall, or remain stable. But if you set aside emotions and look into the economy, it becomes clear: this is not a capricious asset but one of the most logical ones. A security is a share in a company. Managing a share package is not just betting on the price; it is participating in the business.

Earning money on stocks from scratch directly depends on understanding which instruments enter the portfolio. In Russia, common and preferred securities are traded. The former give the right to vote at meetings and participate in management, while the latter do not grant voting rights but usually provide higher and more stable dividends.

For example, “Lukoil” paid out over 500 ₽ per share by the end of 2024. Sberbank’s basic shares increased by 32% in a year. Choosing the right asset means planning income in advance.

Stocks are not a lottery, but a tool

Stock market assets do not operate by the laws of chance like bets or casinos. It involves analyzing financial statements, sectors, and prospects. A holder of a security is a shareholder who owns a part of the business. Ownership can bring profit in two ways: through price appreciation and dividends. The second method involves regular payments from profits, often higher than deposit rates.

Recognizing a stable company is the foundation for a novice. Focus on transparency of financial statements, payment history, long-term strategy — this is what turns a security into an asset, not an adventure. This is the basis of understanding how to earn money on stocks from scratch and not lose the initial capital due to emotions.

Mechanisms of earning on the stock market

Two ways to generate income: sell at a higher price than bought or hold securities for regular dividends. The first path is trading, the second is classic investing. The difference lies in time and degree of risk.

For example, over 4 years, Yandex’s stock more than doubled in value but did not pay dividends. At the same time, Surgutneftegaz consistently distributes profits, paying over 15% annual dividends to owners of preferred shares.

Earning money on stocks from scratch means defining a suitable strategy. A novice should start with financial instruments of major market players in the real sector of the economy. Sustainable capital growth requires analysis, not guesswork.

How to reduce risks

Losses are not random but a result of lack of planning. Investment risks accompany any deal. A protected investor is one who has built an investment portfolio considering balance.

The working structure is 60% securities, 30% bonds, 10% reserve. Add sector diversification, set periodic rebalancing, exclude speculative assets. These principles helped reduce losses during the 2022 crisis to 5-8%, while chaotic investments lost up to 30%.

Understanding how to earn money on stocks from scratch begins with managing losses. Do not fear downturns — fear unpreparedness.

Investments as a Part of Life: Calm and Disciplined

Regular investments are not a race for income but a system. 5000 ₽ per month with a 10% return over 5 years turn into 400,000 ₽+. The key is consistency in actions.

Dealing with equity assets requires discipline and calculation. Buying ETFs on an index is more efficient than timing the market entry. Trading stocks without a strategy often leads to losses.

Three pillars of stability:

• consistency;
• common sense;
• lack of panic.

Long-term investing reveals the power of compound interest: 100,000 ₽ at 12% annual return over 15 years grow to half a million. This is the essence of understanding how to earn money on stocks from scratch — not predicting the market but systematically growing in it.

Conclusion

Investments in 2025 are not a trendy trend but a rational action. The availability of tools, increased awareness, and declining deposit rates have made investments a new standard of financial literacy.

Starting is simple:

• open an account with a licensed broker;
• choose 3–5 securities of major companies;
• regularly fund the account;
• review results quarterly.

Without panic, thrill, or a race for quick income. Only consistent actions with a clear goal. Understanding how to earn money on stocks from scratch starts with the first invested ruble. Not in the market — in your own thinking. Economic awareness becomes the key to financial stability in an unstable world.