What are some ways to invest outside of buying into real estate or stocks?

[GlowUpGirly5]

[WindAtMyBack]

The safest investment is to just put your money in a bank account. They have higher returns available, such as CDs. For many (most?) people, that is also the best choice. It has worked for millions of people. Even at a relatively low return, it can compound and turn into a lot of money over your lifetime. There are also times when the return is quite good.

Closely related are things like treasury bills, savings bonds etc. Like bank accounts, you are lending your money with interest.

If by stocks you mean buying stocks directly, then you can get into mutual funds. Mutual funds mostly invest in stocks, with professional management and diversification, which lowers the risk. They can also invest in just about anything else, with bonds being a common investment. A basic index fund with low management fees is a good choice without excessive risk. You should stick to index funds if you don't know anything about it.

It's a simple fact that higher returns almost always mean higher risk. While an index fund might be lower risk than buying stocks directly, it still carries more risk than other investments.

Investments such as antique cars, art, and collectables, all carry high risk. You should stay completely away from that sort of thing unless you really know what you are doing. Don't even buy mutual funds that invest in that kind of thing. Those investments are for others, not you.

You can start a business, but realistically that is buying stock, except you have to do everything yourself.

There is gold, silver and other precious metals. They also carry a lot of risk.

Bitcoin - that is NOT an investment at all. That is pure gambling.

There are all kinds of ways to buy and sell things. But when you do that you are essentially starting your own business.

If you are new to investing, which it sounds like you are, then you should invest in the lowest risk investments there are. That means bank accounts, CDs, etc. You can try investing a small portion into index mutual funds.

You should put money in simple savings account until you have enough to live at least six months with no income. Preferably a year's worth of savings. Anything else, carries more risk.

Something simple like CDs are low risk, but NOT if you don't have any savings to fall back on if you need to. That's because withdrawal of a CD before it matures has a penalty. So try not to put yourself in the position where you might be forced to sell an investment at any given time. That always increases the risk, no matter what the investment.

[Sevenpointfive]

loansharking. it's how the jews crawled out of the showers and led the world into a drain.

but there is a huge flaw with their idea. they know nothing but how to swindle and sell snake oil. they have no real skill but how to talk, connive and destroy in their favor. and when people's ears close to their bullshit. they will disappear.

[GlowUpGirly5]

They are some true devils. I'm convinced they are the narcs who wrote the Bible so they can be worshipped. Truly sick people

[Sevenpointfive]

i didn't expect you to agree, but you are wise

[GlowUpGirly5]

Yes people are starting to see through them. Especially when kanye started exposing them

[Sevenpointfive]

if a black man can't convince you then who can? i can't name a single song of his, but i respect him for standing up against them.

step away from the banking system that they enslaved us with or take it over? take it over! we don't need them at all.

[Anonymous]

Cryptocurrency? At least that’s what my dad says. Also buying like a partnership in a business.

[slickrick6600]

You can put money in CDs at the bank or bonds they just don’t pay as well. You can invest in precious metals like gold and silver. You can always invest in your self for the best rate of return!

[BonzoInBitburg]

There's a little bit of volatility in index funds right now but it's fairly safe and offers good return. Even if it dips over the next few months, you can't go wrong in the long term.

[Loki97]

Art, in yourself, wine, gold and precious metals, bitcoin, a business.

[GlowUpGirly5]

How's the return on art?

[SixFootSexy]

@glowupgirly5
Not great with AI wrecking the entire art world. Modern art is mostly trash that has nothing to say and is used as a tax evasion vehicle for the ultra wealthy. Which is why you get bananas duct taped to walls and signed toilets. A celebration of ugliness. When culture decides it actually means something to be human and starts cultivating and promoting beauty again, then it could turn around. But that could be many decades or even centuries from now.

[DryGermanGuy]

Index funds, company bonds, state bonds

[GlowUpGirly5]

High risk?

[DryGermanGuy]

Index funds and state bonds are low to medium risk, company bonds sometimes low risk, mostly medium to high risk, imho.

[Anonymous]

Depends on your financial goals.

[lightbulb27]

Start a business.

[ReesesThins2]

Gold.

[In_Trance]

Mutual funds

[GlowUpGirly5]

High risk?

[In_Trance]

Yeah

[jamesgoldman]

Gold, solid gold

[jamesgoldman]

Old whisky, fine wine or classic cars