At what age should one start investing in the stock market to minimize risk?

The optimal age to start investing in the stock market to minimize risk depends on individual financial health, risk tolerance, and investment goals. However, there are general guidelines:

1. **Emergency Fund**: Before investing, ensure you have an emergency fund covering 3-6 months' living expenses. This acts as a risk-free buffer.
2. **Retirement Savings**: Contribute to retirement accounts like 401(k)s or IRAs to take advantage of employer matches and compound interest.
3. **Age Considerations**:
- **Late 20s**: If you've built an emergency fund and started saving for retirement, the late 20s is a good time to start investing in the stock market. You have a few years to learn and adjust before retirement.
- **Early 30s**: By early 30s, you should have a solid emergency fund, be contributing to retirement accounts, and possibly starting a diversified investment portfolio.
4. **Risk Tolerance**: Assess your risk tolerance by evaluating your financial situation, investment goals, and emotional preparedness for market fluctuations.
5. **Diversification**: Minimize risk by diversifying your investments across asset classes, sectors, and geographies.

Ultimately, the goal is to create a balanced financial portfolio that aligns with your lifestyle, goals, and risk tolerance. Consult with a financial advisor to tailor a plan that suits your individual circumstances.