An individual investor is a person who buys and sells securities, such as stocks and bonds, for their own personal account rather than on behalf of an institution. These investors typically use their own funds to make investment decisions, aiming to grow their wealth over time. They can invest through various platforms, including brokerage accounts and retirement accounts like 401(k)s. Individual investors can vary widely in experience and strategy, from beginners who may follow basic investment principles to seasoned investors who employ complex strategies. They often conduct their own research or rely on financial advisors to guide their investment choices, balancing risk and potential returns based on their financial goals.