In today's edition of "Ask a Fool," analyst Austin Smith answers a question from Twitter about investing plans for college students. Austin thinks the most important thing a college-age investor can do today is to simply develop the habit of investing. At this stage in the game, he believes it's more important to simply be invested than anything else. Ingraining some sort of regular saving habit and parking it in a group of passive index funds is an easy way to start, and it is the same technique he used in college. From there, students can pull out and invest in individual securities as needed, while continuing the regular pattern of saving and investing money.

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