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Published: Jan 04, 2022 5 min read

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Kiersten Essenpreis for Money

This article is part of Money's January 2022 digital cover, which features 22 ways to make 2022 the best money year of your life. Browse all 22 articles here.

If you’re brand new to investing, it can be hard to figure out where to start.

But here’s a secret: You don’t have to pick the hottest stocks, or identify which company is going to have stellar returns next quarter. Instead, let a total stock market index fund do the work for you.