The first step is to identify what you want to achieve with the investment, whether it is a short-term or long-term investment, said Hans-Christian Winkler, a CFP® firm with Seattle-based independent advisory firm ClaraPHI. Are you saving primarily for retirement, meaning you may not have access to that money for decades? Or is there some other important goal, such as an expensive dream trip, that you would like to take in a few years?

Then you should think about how hands-on you want to be in investing, says David Blaylock, CFP of LearnVest Planning Services. "And there's no wrong answer to that," he adds. You can invest and forget or think about investing 24/7

For example, if you're saving for retirement, you might choose to invest in a target date fund, a type of mutual fund that automatically adjusts your investment basket based on your age and how soon you want to retire. If you want to be more hands-on, you'll probably need to do more research into the types of investments that make sense for your timeline and risk tolerance, and consider rebalancing your portfolio over time.

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