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One of my favorite (and most recommended) ways to invest is through exchange-traded funds (ETFs) because they can fulfill multiple investment criteria all at once. ETFs may have a lower chance of generating life-changing gains that individual stocks occasionally offer. But they usually involve much less risk, which doesn’t mean sacrificing gains.

Financial services companies understand how people spend in ways few other industries can. Banks, payment providers and digital wallets can see where customers transact, which categories they favor and how their behaviors change over time.