12 Best Ways To Invest 100K Safely

Looking to learn the best way to invest 100k safely? Here are 12 ways to invest your $100,000 without much hassle and do it today.

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Looking to learn the best way to invest 100k safely? Here are 12 ways to invest your $100,000 without much hassle and do it today.

If you are reading this article, then it probably means you are either working actively towards amassing wealth to the tune of a 100k (by using smart ways to make money) or you’re fervently hoping to win the lottery someday.

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Either way, it’s smart to learn about how to invest and not spend this huge amount even before it hits your account. The reason is that a $100,000 will not guarantee financial security unless the money is invested in ways that allow it to compound.

So it's important to invest your 100k with caution:

12 Ways to Invest 100K Safely

best way to invest 100k safely

1. Pay off your debt.

It may sound odd but paying off your debt is the first and biggest investment you can make with a $100,000 in your account. The interest on any debt you have grows with time and the sooner you pay it off, the more you will save.

2. Real estate.

One of the easiest ways to grow your money is to invest in real estate. Robert Kiyosaki, author of ‘Rich Dad Poor Dad’ learned to quickly grow his money by making down payments for rental properties and gaining profit by selling the property later at a higher price. Another way to invest in real estate is by buying a property and renting it out. With the ever-increasing inflation rate, rents will go up while your mortgage payments stay the same. This increases your cash flow and your rental yield as an investor. You could also invest your 100K in raw lands. Investing in lands is a profitable venture because of one key reason: land is scarce and its demand will always exceed its supply.

3. Index funds.

Investing in index funds is like investing in the stock market without taking on too much risk. The risk of investing in index funds is very minimal yet the benefits are massive. The trick is to diversify your stocks by buying the largest companies through your index fund.

4. Start a business.

Invest your 100k in that promising business venture you put on the back burner for lack of money. If it is a high-risk business be sure to conduct research into your prospect, seek expert advice and develop a solid business plan before starting out.

5. Peer to peer lending.

This is a way to make a direct impact on the lives of people. This is how it works: you sign up on a platform like LendingClub or Prosper and start giving loans to peers registered on the platform. You can buy into a thousand different loans to spread out risks and earn a profit in the form of interest.

6. Short-term government bonds.

These are bonds with maturities of less than five years. They don’t yield much but they have lower risk and preserve capital.

7. Invest in a cash account.

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This is necessary because it gives you access to your money and makes it easy for you to meet your financial obligations.

8. Invest in yourself.

Investing in yourself is one of the best investments you could ever make and it can take many forms: pursuing a creative project, nurturing a talent taking a course or learning a new skill.

9. Annuities. 

This is a low-yielding investment which could pay as low as 3% on your capital. The advantage is that your capital is kept safe and your returns are guaranteed.

10. Donate to charity.

One of the best ways to invest a 100K is to make an impact in the lives of the less fortunate through charitable giving. Investors who are into impact investing also get tax deductions.

11. Invest in an emergency fund.

One wise thing to do once you have your 100k in hand is to set up an emergency fund or fund it if you already have one. It will shield you from life’s unpleasant surprises.

As you may have guessed, there are so many ways to invest your $100,000 with confidence. You might choose one particular method, or you might choose to diversify. Just make sure to invest somehow so you can offset inflation and your wallet will thank you for it!

12. High-yield savings account.

This is another way to invest your 100k. It’s much more profitable than the normal savings account. Your money can sit in there and accrue some interest until you are ready to invest in bigger and more profitable ventures. We recommend CIT Bank's ‘Savings Builder account‘, where you can earn a very impressive .50% annual percentage yield. You qualify for that rate if you have a balance of at least $25,000 or you deposit at least $100 each month, building your savings. Here are some of the best high-yield savings accounts in 2020:

Today's Best Savings Accounts

Here are accounts that grow with you.

DetailsMin. Balance for APYAPY
SavingJunkie
  • Higher rates than traditional banks
  • 24/7 Account Access
  • Secure banking features
  • FDIC Insured

$100

Member, FDIC

.50%

NEXT →
axos bank
  • Quick sign up
  • Earns interest daily
  • Easy online banking
  • FDIC Insured

$0

Member, FDIC

.61%

NEXT →

For you: What ways have you found to invest or which best way to invest 100k safely did you like best?

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Brian Meiggs
Brian is the chief editor of SavingJunkie and is a personal finance expert who has spent the last few years writing about how Millennials can make smarter money moves. He has been fortunate enough to have appeared in several online publications, including Yahoo! Finance, NASDAQ, MSN Money, AOL, Discover Bank, GOBankingRates, and more. He is also diversifying his portfolio by adding a little bit of real estate. But not rental homes, because he doesn't want a second job, it's diversified small investments in hands off real estate investing via an app called Fundrise.

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