Do you know that you can also create test accounts on a test network?!
I would not advice you to invest any big money in any system or product that you are not familiar with
including NEM (XEM).
So to start i would you suggest you to
create a test account on nem test network using NanoWallet.
On sign up choose “Testetnet” option under “Select a netwrok”.
Then create the wallet .
Your nem address will start with “T” letter which indicates that is a test netwrok address.
Then you could check this thread to get some free testnet xem:
Then you can play with the wallet try export wallet data and private keys send xem and learn anything else about the system without risking any money.
Once you get familiar with the system then you invest in it.