The Market Looks Scary But Here’s Why You Still Need to Invest Now: Investing in ETF if Uncertainty Sets In.

Trust me, I’ve lived through the market's highs and lows. I’ve made money, lost it, and learned a few lessons the hard way. If I could go back and talk to my younger self, I'd say this: Invest now. Don’t wait. Even when everything looks uncertain.

If you’re 18, 28, or even 48, and you're watching headlines scream about tariffs, trade wars, inflation, and rising interest rates, it’s easy to think, “This isn’t the time to invest.” I get it. But here’s the truth that experience taught me: Uncertainty is where wealth is born.

What’s Really Happening in the Market Right Now

Today, the markets in both Canada and the United States are volatile. Tariffs are disrupting trade, company earnings are taking hits, and investors are reacting emotionally. The media calls it a crisis. But it’s actually a clearance sale.

If your favorite shoes or phone dropped 20 percent in price, you’d jump on it. Investing is no different. Lower prices mean greater value for your money.

Why You Need to Start Investing Today

Time is Your Greatest Advantage

The earlier you start, the more power compound interest has to grow your money. Even a modest $50 to $100 invested each month can turn into six figures over time. Time is your greatest asset.

Downturns Build Wealth

Some of the wealthiest people in history made their fortunes during economic slumps. You don’t need perfect timing. You just need consistency, even when it feels uncomfortable.

It’s Bigger Than the Stock Market

Yes, stocks matter. But long-term wealth also includes real estate, business equity, and strong financial habits. It starts with saving, building good credit, and staying focused.

How to Start Investing Right Now (Canada and USA)

Start With ETFs (Exchange-Traded Funds)

ETFs allow you to invest in a wide range of companies with one simple purchase.

• In Canada, try VFV which tracks the S&P 500 in Canadian dollars

• In the United States, try VOO which tracks the same index in US dollars

They have low fees, consistent returns over time, and you don’t need to guess which company will win. You just invest and let time do the work.

Use Tax-Sheltered Accounts

• In Canada, open a Tax-Free Savings Account (TFSA) or a Registered Retirement Savings Plan (RRSP)

• In the US, open a Roth IRA or contribute to a 401(k)

These accounts let your money grow without being eaten up by taxes.

Build a Habit of Saving

Before you buy property or expand your investments, master your savings habit.

• Start with at least $100 per month

• Automate your savings so you don’t have to think about it

• Keep your credit score strong

• Make sure you have a stable income or a backup strategy like co-buying or renting part of your space

Buy Your First Property with Strategy

Your first property should be a long-term asset, not a quick flip.

• In Canada, cities like Calgary, Edmonton, and Ottawa offer fair price-to-rent ratios

• In the US, consider markets like Cleveland, Tampa, Charlotte, or San Antonio

Buy smart, hold it, and let time and rental income build your equity.

What to Avoid

• Day trading and crypto hype. These look exciting but often lead to losses.

• Buying a new car on credit. It loses value the moment you drive it.

• Living paycheck to paycheck. Budgeting is not optional.

• Waiting for the perfect time. It will never come. The opportunity is now.

What I’d Tell My 20-Year-Old Self

Buy the ETF. Open the TFSA. Leave it alone. Focus on work. Buy a small condo and rent out a room. Ignore the noise. In ten years, you’ll be far ahead while others are still stuck at the starting line.

Main goal is to start

Markets are uncertain. They always have been. What matters most is not when you invest, but whether you start at all.

You’re not too late. If you’ve already saved some money, you’re ahead of the curve. If you’re starting from scratch, good. It means you have everything to gain.

Investing in ETF is a wise choice when uncertainty sets in.

Start small. Stay consistent. Build knowledge. Don’t be afraid if it feels uncomfortable. That’s how real wealth begins.