Anybody who began investing in 2025 would have had a baptism of fireside. That’s as a result of originally of April the worldwide inventory market utterly tanked. A handful of my shares crashed 30% inside per week!

Fortunately, most shares have since recovered strongly. Each the FTSE 100 and S&P 500 are actually solely round 3% off new file highs.

Listed here are three the reason why at this time’s nonetheless a good time to contemplate beginning an investing journey.

Market volatility creates alternatives

Proper now, the market’s selecting to miss the possible injury executed from the sweeping tariffs carried out originally of April. But when the worldwide financial system’s heading for a big slowdown, sentiment may rapidly bitter.

Furthermore, there are not any ensures the US and China will iron out all their variations. I anticipate extra twists and turns with President Trump within the White Home. Consequently, I believe there’ll in all probability be much more volatility forward this 12 months.

Whereas which may sound scary for beginner buyers, it’s truly the perfect factor that may occur for long-term wealth-building. I did a bit of buying my Shares and Shares ISA at the beginning of April. And people purchases have executed very effectively because the market’s bounced again.

There’s possible extra volatility to come back, however this may create alternatives.

Charges are coming down

The second purpose now’s a good time to begin investing is as a result of rates of interest are on a downwards trajectory. Earlier in Might, the Financial institution of England reduce borrowing prices by 1 / 4 of a share level to 4.25%.

As issues stand, buyers anticipate the speed coming down to round 3.5% by the tip of the 12 months. That’s assuming inflation doesn’t throw a spanner within the works.

After all, when rates of interest fall, financial savings accounts return much less. In idea, this could encourage buyers to maneuver cash into shares seeking higher returns, pushing up costs.

All issues equal, greater inventory costs imply decrease dividend yields. Due to this fact, now may be a good time to bag some excessive yields earlier than they transfer decrease.

The compounding snowball

Lastly, the earlier somebody begins investing, the extra time there may be to get compounding going. That is the wealth-building miracle the place curiosity begins incomes curiosity.

One FTSE 250 dividend inventory that appears engaging to me proper now’s 4imprint (LSE: FOUR). The corporate specialises in promotional merchandise, promoting and distributing issues like pens, garments, cups and luggage which might be customised with purchasers’ logos or messages. 

Which may sound very low-margin, however the agency truly enjoys strong margins (10.8%). And progress has traditionally been spectacular, rising from $787m in 2021 to just about $1.4bn final 12 months. Round 98% of income comes from North America.

Nevertheless, the inventory’s down 42% because the begin of February. That is partly attributable to uncertainty round US tariffs, which may push up prices for purchasers and even trigger a US recession, thereby dampening progress.

However I believe these dangers are already priced into the inventory, which is buying and selling at simply 11 instances earnings. Including to its attraction is a 5.3% dividend yield. At its present stage, I believe 4imprint’s price contemplating.