Absent a blowup in credit, Chisholm says, her historical analysis suggests that this may be a good time to hold US stocks, de-emphasizing defensive sectors such as consumer staples, and favoring cyclical sectors such as technology. Historical trends look troubling for this defensive sector, says Chisholm. Staples stocks are known for holding up well during recessions. But over the past 4 decades the sector has become less and less likely to outperform at other times. With Investor Phil Town. Figuring out how to invest money in order to effectively set yourself up for future success can sometimes be a real challenge. Outlined below you will find everything you need to know to start investing and begin preparing yourself financially for the future. How to Invest Money. Investing Money for Beginners. When you invest money, what you are doing is either buying a portion of a company or a commodity with the belief that the value of that company or commodity will grow over time. Compounding interest dictates that even small sums of money can be turned into fortunes over time, providing you select the right investments.