Stocks ???

[Armand16]

Penny stocks are considered risky.

First I would start with maxing out the matching portion of your 401k. Aside from that, research the companies you are interested in and try to guess when you think they will rise in the market. If you prefer a buy and hold strategy and are interested in long term savings (3+ years), look into mutual funds. You can buy thousands of stocks, bonds and treasuries and only pay an up front fee as opposed to buying them individually and paying a trade fee for each security.