Summary (key takeaways):
- Many first-time investors get stuck at the very first step: not knowing what to actually buy.
- Nemes are curated, themed collections of stocks, grouped around ideas and trends like AI, gaming or clean energy, that you can invest in directly on the Nemo.money app.
- They're designed to turn a big, intimidating question ("what do I invest in?") into a simpler one ("which themes do I find interesting?").
- Nemes are a starting point for inspiration and research, not investment advice, a popular theme isn't automatically a good investment.
- You can explore Nemes and invest from $1 with zero commission on the Nemo.money app.
If you've ever opened an investing app, felt a flicker of excitement, and then frozen at the sight of thousands of stocks with no idea where to begin, you are completely normal. "What should I actually invest in?" is the single most common thing that stops new investors before they start. There's a fear of picking wrong, a fear of researching hundreds of companies, and a fear of the whole thing being more complicated than it needs to be.
This is exactly the problem Nemes are designed to help with. Here's what they are, and how they can help you find ideas when you don't know where to start.
The real problem: too much choice
Choice is supposed to be a good thing, but in investing it can be paralysing. Faced with a near-endless list of companies, most beginners don't know how to tell a good idea from a bad one, or even where to look first. So they do nothing, and "doing nothing" can quietly cost you the years that matter most for long-term investing.
The trick is to make the first step smaller and more human. Instead of asking "which of these thousands of stocks should I buy?", it's far easier to ask "which ideas and trends do I actually find interesting?" That's a question you can answer using things you already know and care about.
What are Nemes?
Nemes are curated, themed collections of stocks on the Nemo.money app, groups of companies bundled together around a single idea or trend. Rather than researching and buying individual companies one by one, you can explore a theme that interests you and invest in that collection directly.
Think of them as a bridge between "I want to invest" and "here's something I understand and believe in." Rather than identifying every company yourself, you pick a theme that resonates and explore the companies grouped within it.
The themes: a tour of the ideas you can explore
Here's a flavour of the kinds of themes you can browse. The companies named below are simply well-known examples to illustrate what each theme is about, they're not recommendations, and the exact Nemes available (and the companies inside them) are shown in the app and can change over time.
- Big Tech, the giants that shape our digital lives, from phones and search to cloud computing and social media. Examples of the kind of companies here: Apple, Microsoft, Alphabet (Google), Amazon, Meta and Nvidia. It's the most familiar corner of the market for most people, which makes it an easy place to start.
- Gaming, the studios, platforms and hardware behind the games people play. Think names like Take-Two (maker of GTA), Electronic Arts, Roblox, Nintendo and Microsoft (owner of Xbox and Activision), plus the chipmakers powering it all.
- Travel, the comeback story of the decade, covering booking platforms like Booking Holdings and Airbnb, airlines such as Delta, and hotel groups like Marriott. A way to invest in the world's love of getting away.
- Beauty, the resilient world of cosmetics and skincare, home to global names such as L'Oréal and Estée Lauder, retailer Ulta Beauty, and fast-growing challengers like e.l.f. Beauty. Often described as recession-resistant, since small luxuries tend to endure.
- Fashion, from accessible apparel to high-end luxury, spanning sportswear leaders like Nike and Lululemon, and luxury powerhouses like LVMH (owner of Louis Vuitton). A theme built on brands people know and wear.
- Sports, the business behind the games, kit makers like Nike and Adidas, a handful of listed clubs such as Manchester United, and the brands and broadcasters that profit from the world's biggest events.
- EV (Electric Vehicles), the companies driving the shift to electric transport, from Tesla and Rivian to Chinese leaders like BYD and NIO, plus the wider battery and parts supply chain. An exciting, fast-moving, and, as recent history shows, genuinely volatile theme.
- Semiconductors / Chips, the tiny components powering everything from phones to AI, including names like Nvidia, AMD, TSMC, Broadcom and Micron. Arguably the backbone of the entire modern economy.
- Green Energy, businesses tied to the shift toward renewables, such as solar leader First Solar, inverter maker Enphase Energy, and fuel-cell company Bloom Energy, alongside the technology enabling the transition. A theme for those who see the energy shift as a long-term trend.
- Space, one of the newest frontiers for investors, spanning satellites, launch and defence-linked names like Rocket Lab, SpaceX, plus thematic space funds. A sector that's expanded now that more major players have come to public markets.
- Popular ETFs, ready-made funds that spread your money across many companies at once, such as an S&P 500 ETF (like VOO or SPY) or a Nasdaq-100 fund. A simple, widely used building block, often favoured as a core holding.
- Top Stocks for Beginners, a gentler starting point featuring large, well-established "blue-chip" companies, the kind of household names (think the big, familiar tech and consumer brands) that many new investors recognise and feel comfortable beginning with.
Why a themed approach helps beginners
For someone who doesn't know where to start, investing by theme has some genuine advantages:
- It starts with what you know. You may not be able to analyse a balance sheet yet, but you probably have a view on whether AI, gaming or clean energy is a big part of the future. Investing in what you find interesting makes it easier to stay engaged and keep learning.
- It spreads your money across several companies. Instead of betting everything on one stock you happened to hear about, a themed collection spreads your investment across a group of related companies, which can help soften the blow if any single one struggles.
- It's less overwhelming. One clear decision ("this theme interests me") replaces dozens of intimidating ones.
- It's a springboard for learning. Seeing which companies sit inside a theme you like is a natural, low-pressure way to start recognising names, understanding sectors and building your own knowledge over time.
How to use Nemes for inspiration (not as a shortcut to skip thinking)
Nemes are a great starting point, but they work best when paired with a little curiosity of your own. A sensible way to use them:
- Start with your interests. What trends do you genuinely find compelling or believe will matter in the years ahead?
- Explore the matching theme. See which companies are grouped inside it, and why.
- Dig into the individual stocks. This is where you can go deeper before deciding.
- Learn as you go. Look at a few of the names, what they do, how they make money. You don't need to become an analyst; you just need to understand roughly what you're backing.
- Think long term and start small. You can begin with as little as $1, and many people prefer to invest gradually over time rather than all at once.
Do your homework: the research at your fingertips
A theme might spark your interest, but the app also gives you tools to look under the bonnet of the individual companies before you commit a penny. For each stock, you can explore things like:
- Performance, how the share price has moved over different time periods, so you can see its history rather than guessing.
- Charts, visual price history you can view over days, months or years, helpful for understanding a stock's trend and how volatile it's been.
- Market sentiment, a sense of how other investors are feeling about a stock, useful context, though popularity is not the same as quality.
- Analyst recommendations, the views of professional analysts (such as "buy," "hold" or "sell" ratings and price targets), which can be a helpful input, but are opinions, not guarantees.
The idea is simple: the theme gives you the inspiration, and the research tools help you make a more informed decision. Used together, they turn "I have no idea" into "I understand what this is and why I'm interested."
A word of caution on all of this: research tools inform a decision, they don't make it for you. Past performance doesn't predict future returns, sentiment can shift in a heartbeat, and even professional analysts are frequently wrong, they disagree with each other constantly. Treat these as pieces of a puzzle to weigh up, not signals to act on blindly.
But here's the other side of the story
Themed investing is a helpful on-ramp, but it isn't a magic answer, and it's important to be clear-eyed:
- A popular theme isn't automatically a good investment. Exciting trends can become overhyped, and a lot of optimism may already be reflected in prices. Interest in a topic and a sound investment are not the same thing.
- "Diversified within a theme" isn't the same as "diversified." A collection of, say, AI companies still rises and falls largely together, because they're exposed to the same trend. That's more concentrated than a broad, whole-market fund.
- Themes can be volatile. Trend-driven sectors can swing sharply in both directions.
- It's a starting point, not advice. Nemes are designed for inspiration and research. They aren't a recommendation to invest in any particular theme, and only you can decide what's right for your circumstances. If you're unsure, consider speaking to a qualified financial adviser.
Frequently asked questions
What are Nemes on the Nemo.money app?
Nemes are curated, themed collections of stocks, groups of companies bundled around an idea or trend (such as AI, gaming or clean energy) that you can explore and invest in directly, rather than picking individual companies one by one.
I don't know what to invest in, how do Nemes help?
They turn an overwhelming question ("which of thousands of stocks should I buy?") into a simpler one ("which themes interest me?"). You start from ideas you already understand and care about, then explore the companies grouped within that theme. This is for inspiration and research, not investment advice.
Can I invest in a Neme directly?
Yes, Nemes are collections you can invest in directly through the Nemo.money app, from as little as $1 with zero commission.
Are Nemes a recommendation of what to buy?
No. Nemes are a way to discover ideas and explore themes, not investment advice or a recommendation. A theme being popular doesn't make it a good investment, and you should consider your own circumstances (or speak to a qualified adviser) before investing.
Is investing by theme risky?
All investing carries risk, and themed collections have a particular one: the companies inside a theme tend to move together, so it's more concentrated than a broad, whole-market fund. Trend-driven themes can also be volatile. Your capital is at risk.
Can I research a stock before I invest?
Yes. Within the app you can explore each company's past performance, price charts, market sentiment and analyst recommendations to help inform your decision. These are research tools, not advice: past performance doesn't predict future returns, and analyst views are opinions that can be wrong. Your capital is at risk.
How much money do I need to start investing?
Less than most people think. Thanks to fractional shares, you no longer need a large lump sum, on the Nemo.money app you can start from as little as $1. What matters more than the amount is starting with money you can afford to leave invested, and understanding that trading is risky.
How do I start investing with little money as a beginner?
A common approach is to start small and invest regularly rather than waiting for a "perfect" moment. Fractional shares let you begin with a small amount (from $1 on Nemo.money), and many beginners choose broad, familiar options like an S&P 500 ETF or a theme they understand, then build up over time as they learn. This isn't advice, and your capital is at risk.
The takeaway
Not knowing what to invest in is one of the most common reasons people never start, and it's a genuinely solvable problem. Nemes are built to lower that first hurdle, turning a sea of thousands of stocks into a handful of themes you can actually relate to, and letting you invest in the ideas you find compelling from as little as $1. Just remember they're a starting point for your own thinking, not a shortcut around it: an interesting theme is a great place to begin exploring, not a guarantee of a good outcome. Start with what you understand, keep learning, and invest with your head as well as your curiosity.
Never miss out. Stay informed, stay ahead.
Explore Nemes and discover investing ideas on the Nemo.money app, and invest from $1 with zero commission.
This is not investment advice. Past performance is not indicative of future results. Your capital is at risk. See website for Risk Disclosure. Exinity ME Ltd (https://nemo.money) is regulated by ADGM's Financial Services Regulatory Authority.
