Image credit

Although it’s a pretty sensible move to invest some of your money in the stock market, it’s also a really good idea not to put all of your eggs in one basket. By spreading your money around, you minimize your risks significantly, which means that you should always be on the lookout for other forms of investment.

With that in mind, check out these effective ways to invest that don’t include the stock market:

Peer-to-Peer Lending

Peer-to-Peer lending has gained some real traction in the past five years or so, and it is undoubtedly one of the best ways to invest your money because it benefits not only you but the entrepreneurs you invest in too.

Basically, peer-to-peer lending works by taking out the middlemen and allowing individuals to pool together to invest in entrepreneurial people around the world. When you don’t have a bank taking their share, your returns are likely to be higher. Just be careful to choose your investments wisely and to, ideally, spread your cash amongst at least 10 individual loans ( the more, the better in this case), for a diverse portfolio that is more risk-averse.


Investing in yourself is rarely a bad idea. In fact, doing just that is likely to be one of the least risky investments you ever make. Why? Because when you invest in yourself, you increase your opportunities, which almost always leads to greater wealth. So, whether you want to get an online BSW, you can embark on your dream career, you want to set up your own small business to get out of the rat race and give yourself a better income, or you want to enroll in an accountancy course to switch to a more lucrative career, invest in yourself. This is one form of investment you’re unlikely ever to regret.

Precious Metals

Image source

Investing all of your money in precious metals is probably not a good idea, but buying a little gold or silver is quite sensible. Obviously, the prices of precious metals do rise and fall over time, but if you’re looking for a relatively safe place to diversify your portfolio, a small-holding of gold, for example, will probably serve you well, not least because it’s a physical asset that you can take complete control of – something which can be very useful in turbulent times.

Debt Elimination

Instead of putting that money into stocks that have no guaranteed return, why not pay down your debts – something which will effectively give you a 100 percent return on your investment? Although you should always save a little for a rainy day, if you have lots of debts, it makes more sense to get rid of them before you start investing because returns are unlikely to outdo the huge amounts of interest you are likely to be paying.

If you plow your money into any one of these four things, it will be an investment well made, and you will have a brighter financial future as a result, that’s for sure.

Leave a Reply

Your email address will not be published.

This site uses Akismet to reduce spam. Learn how your comment data is processed.