Just getting started with investing? A good idea can be to begin by adding some diverse exchange-traded funds (ETFs) to your portfolio. Focus on ETFs first, put the bulk of your money into them, and that can ensure that you're not too dependent on individual stocks.

Safety and diversification are always important, as there's nothing more discouraging than starting out with a loss because you may have picked a bad stock. This way, even if your stock-picking abilities don't turn out to be great, you'll have the comfort of knowing that the majority of your portfolio is tied up in relatively safe ETFs.

Picking the right ETFs is important, however, as there's a broad mix of them in the market that you can choose from. Some focus on growth, others on dividends, while some simply attempt to m

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