If you are tired of trying to beat the stock market, index investing may be the best solution for you. Index funds work by investing your money into an index of stocks. (You may have heard of S&P 500 or the Dow.) When you put money into an index fund, you are investing in all of the companies that make up that particular index’s portfolio. This is an alternative to choosing and investing in particular stocks. The same risks exist for you as those who buy stocks individually. However, since the market typically increases over time, index funds can be a safer way of investing one’s money.