What’s the Best Way to Invest £50k? (2022)

What’s the Best Way to Invest £50k? (1)

Daniel Williams

Senior Property Writer

Updated 03 January, 2022

8 Min Read

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    If you’ve saved up or inherited 50k, you might be wondering:“What’s the best way to invest 50k?”

    On this page, you’ll find out seven different ways you can invest 50k in 2022.You’ll also learn about the vital questions you should consider before investing.

    Keep reading to discover the following key takeaways:

    • Property investment is likely the best way to invest 50k in 2022.
    • It would help if you spoke to a financial advisor before deciding to invest money.
    • A savings account is the safest way to invest 50k.
    • You need to know your risk tolerance before deciding where to invest 50k.

    Let’s begin:

    Overview

    • How to Invest 50k Wisely
    • Questions to Ask Before Investing £50,000
    • Where to Invest 50k in 2022
    • The Best Way to Invest 50k

    What’s the Best Way to Invest £50k? (2) What’s the Best Way to Invest £50k? (3)

    How to Invest 50k Wisely 

    Investing can be a fantastic way to set yourself up for the future and earn passive income along the way.  

    However, it can be risky to invest all your 50k in one go.

    As such, you need to manage your risk and make sure you have a safety net.

    Before investing the £50k, you could consider:

    • Clearing any outstanding debts, such as credit cards, to ensure you’re starting your investment in the best place possible. 
    • Put away some cash in case of emergencies into an easy-access savings account – around three to six months of your income (known as a cash buffer). 
    • Contribute to your pension – whether that be a workplace pension or private. 
    • Use the money to help pay off your mortgage. 

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    Chic New York Living in the Heart of Liverpool

    Central Park

    Prices From £159,950

    Liverpool Prices from £159,950

    6% NET Rental Return

    Located in Liverpool’s Coolest Neighbourhood

    read more

    Invest With £69k

    Merchant’s Wharf Duplexes

    Prices from £429,950

    Manchester Prices from £429,950

    Projected 6.5% rental returns

    In-demand Manchester location

    read more

    Liverpool L1 City Centre Postcode

    The Mill

    Invest With £60,000

    Liverpool Prices from £154,950

    Assured 6% NET Rental Return

    Grade 2 Listed Building

    read more

    View All Properties

    The Best Way to Invest £50k: Six Things to Think About

    If your financial situation is healthy, and you feel like now is the perfect time to invest 50k, then here are six key questions you should ask yourself before investing. 

    1. What Are Your Financial Goals?

    Are you dreaming of early retirement? Do you want to buy your perfect family home? Or are fast sports cars more your thing? 

    Whatever your goals, these will have a huge impact on exactly what type of investment you’re looking for.

    If you want more cash in your pocket, then an income-focused investment could be more your thing.

    On the other hand, those thinking of retirement will be more suited to investments with long-term growth.

    2. Are You a Short-Term or Long-Term Investor?

    Do you need your money soon, or are you willing to wait for decades for the ultimate cash pay-out? 

    (Video) "How Do I Invest with $50,000?" | #FFLTV

    Helping decide your timeframe is important, as the longer you leave your money in an investment asset, the more your money will grow. 

    Short-term investments are under the five-year mark, while longer-term investments can be 10 years or more. 

    It’s important to note that shorter-term strategies often involve more risk, as investment markets are more likely to fluctuate in the short term.

    3. What is Your Risk Tolerance?

    Risk is a word that can cause any investor to shudder. 

    But understanding your attitude to risk is important for a successful investment. 

    You need to ask yourself how much money you can afford to lose and how you would feel if you lost thousands overnight. 

    Emotions can run high in an investment, and you don’t want to let them takeover to make rash decisions. 

    4. Should You Use a Tax Wrapper?

    If you’re investing in stocks, it may be a good idea to use a tax-free wrapper to hold your investments.

    Like a SIPP or ISA, these investment vehicles will protect your investments from taxes.

    Once you’ve opened a tax wrapper available from sites like Barclays, you can then pick and choose the types of investments you want inside your wrapper.

    5. DIY or a Ready-Made Investment Portfolio?

    Do you have the chops needed to go it alone, or are you a beginner considering their first investment?

    Whatever you are, you have two options when it comes to investing money:

    1. DIY
    2. Ready-Made Investments

    DIY investing is when you go it alone. You’ll have complete control over what assets you choose to invest in.

    This can include:

    • Stocks
    • Property
    • Bonds

    On the other hand, ready-made investments allow you to invest in investment portfolios provided by Robo-advisers that pick investments based on your risk tolerance.

    You can also consider a hybrid approach and invest through a fund.

    By doing this, you’ll pick a fund that buys and sells investments for you.

    These funds will be typically managed by a fund manager who actively manages the fund and picks the stocks.

    You can also consider the cheaper passive funds that track investment markets like the FTSE 100.

    6. Should You Save or Invest?

    If you’ve just inherited 50k, you may feel compelled to invest as you’ve been told it’s the right thing to do.

    You aren’t alone in these thoughts either:

    A poll from The Times found that around 51.9% would invest a £50,000 windfall. 

    However, this may not be the right decision for you.

    If you have a low-risk tolerance and want to keep your money as safe as possible, then putting your cash in a savings account may be the wiser choice.

    Although the rewards will be greater if you put your money into an appreciating asset like property, you should only invest at a time that you feel is right.

    If you have doubts about how you want to spend your money, be sure to seek out the support of a financial advisor to determine what’s the right decision for you and your needs.

    What’s the Best Way to Invest £50k? (16) What’s the Best Way to Invest £50k? (17)

    Where to Invest £50k

    Now that we’ve set the ground rules of making a 50k investment, it’s time to look at where you can invest 50k in 2022.

    The following seven strategies are some of the best places you can invest 50k today:

    1. Property
    2. Stocks
    3. Savings Account
    4. Bonds
    5. Cryptocurrency
    6. Peer to peer lending
    7. SIPPs

    1. Investing 50k Into Property 

    Short term or long term strategy?: Both

    Risk:  

    Return Potential:  

    Likely the best investment for £50,000, property has quickly become one of the best asset classes in 2022.

    Here’s the deal:

    By investing in property through buy to let, investors earn two forms of sizeable returns.

    1. Rent – Currently at a record-high average of £1,064 PCM, according to HomeLet. 
    2. Capital Appreciation – The increase in value of the property over time. Over the last 12 months, property prices have increased by over 10%, according to the Land Registry.

    Want to know the best part?

    Thanks to these returns, investment property can fulfil both short-term and long-term investment goals.

    It’s also safer than strategies like stocks, with property having a record-breaking year for house price growth in 2021 despite the Covid-19 pandemic.

    The only issue?

    Your returns can be taxed through income and capital gains tax, which can be sizeable if you own multiple properties.

    To minimise this, you could consider forming a limited company.

    2. Investing 50k Into Stocks and Shares 

    Short term or long term strategy?: Both

    Risk:  ★☆

    Return Potential: 

    The ultimate high risk/high reward strategy, stock market investing can be a great investment strategy for those looking to invest £50,000. 

    Investors can purchase fractions of a company to earn income via dividends or wait and sell the stock once it increases in value for a hefty pay-out.

    But here’s the kicker:

    Not every stock pays out dividends, with some companies choosing to reinvest the funds.

    Also, stocks can be complex, with it incredibly hard to pick the right stocks to invest in if you lack the know-how.

    For this reason, many investors choose to invest in an actively managed fund rather than individual stocks.

    Examples of funds include:

    This can be a neat way to invest 50k, and it isn’t as risky as investing in individual stocks.

    3. Investing 50k Into Savings Accounts 

    Short term or long term strategy?: Long term

    Risk: 

    Return Potential: 

    A high-interest savings account is a top choice if you want a less risky and more ‘safe’ place to put your money. 

    Types of savings accounts to consider include:

    • Instant Access: An account where you can get instant access to your money at any time.
    • Notice Account: A form of savings account where you need to give notice before taking money.
    • Regular Saver: An account that requires you to save a set amount each month.
    • Fixed Bond: This account locks away your cash for a set period.

    These are all great ways to keep your money safe and earn interest, but they won’t offer as many returns as a growing asset.

    Alternatively, you can also consider taxable investment accounts or a cash ISA.

    The latter acts as a tax wrapper and allows you to earn tax-free returns, such as lifetime ISAs and stocks and shares ISAs.

    If you want to know how to invest 50k safely, it’s well worth putting some money into savings accounts as your cash will typically be protected – up to £85,000 per bank as per the Financial Services Compensation Scheme.

    (Video) How To Invest £50,000 In Buy To Let UK Property Investments | This Is How To Invest In Property £50k

    4. Investing 50k Into Bonds

    Short term or long term strategy?: Short term

    Risk:  

    Return Potential:  

    Another popular way to invest £50k, bonds are fixed-income investments commonly used by companies (and sometimes governments) to generate funds. 

    Here, investors can offer funds to companies in the form of a bond, which is paid at a fixed interest rate over the agreed-upon time. 

    Bonds are given a rating for their level of risk, ranging from AAA to C (A being the less risky option).  

    Like many investments, the riskier the rating, the higher the interest rate. 

    Bonds also have a distinct advantage over the stock market, with less volatility.

    Bondholders are also paid before stockholders if a company liquidates, meaning you can feel more secure.

    5. Investing 50k Into Cryptocurrency 

    Short term or long term strategy?: Long term 

    Risk:  

    Return Potential:  

    The proverbial new kid on the block, cryptocurrency has become one of the most popular ways to invest £50k in 2022. 

    Question is:

    What is a cryptocurrency?

    Put simply:

    A cryptocurrency is a digital form of currency that can be purchased and sold online via online platforms. 

    You can purchase a full unit or part of a unit for real money and then hold onto it like stocks before selling for a cash pay-out.

    A report from The Times found that Bitcoin investors netted a 500% profit in 2021.

    (Yes, you read that right).

    While this sounds incredibly exciting, there is a caveat:

    Cryptocurrency is exceedingly volatile.

    In fact, one financial expert speaking to Time magazine said: “You have a high chance of losing it all, but a small chance of winning it big.” 

    For this reason, it’s risky to put a bulk of your 50k into this asset without a safety net.

    6. Investing 50k Into Peer to Peer Lending

    Short term or long term strategy?: Short term 

    Risk:   

    Return Potential:  

    Peer to peer lending is a form of investment rapidly increasing in popularity in 2022.

    Through online platforms, such as Upstart, investors can lend cash directly to other people at a fixed interest rate.

    The benefit here is that you cut out banks from the equation and will earn more profits from lending without the bank taking a cut.

    Some of the money you earn is even tax-free!

    However, you can likely sense a caveat coming, and you’d be right.

    Currently, P2P lending is not protected by the Financial Services Compensation Scheme.

    There’s also the chance that borrowers could refuse to make payments – which can be incredibly dangerous for your investment.

    7. SIPPs

    Short term or long term strategy?: Long term 

    Risk:   ☆☆☆☆

    Return Potential:  

    SIPPs, otherwise known as self-invested personal pensions, are DIY pensions where investors can choose what assets to invest in.

    The SIPP then acts as a tax wrapper and holds the investments until you retire.

    You can invest in various assets with a SIPP, including stocks, ETFs, and property.

    Although you won’t be earning a regular income, these are a good way to invest in your future retirement in a less risky way.

    (Video) How to invest 50k right now

    Types of SIPP include:

    • A Full SIPP: This offers the biggest choice of investments but has the highest charges.
    • A DIY SIPP: This is cheaper than a full SIPP but offers fewer investment choices. For instance, you can’t usually invest in property.

    What’s the Best Way to Invest £50k? (18) What’s the Best Way to Invest £50k? (19)

    What’s the Best Way to Invest £50,000? 

    Now that we’ve looked at seven popular places to invest £50k, you might be wondering:

    What is the best investment for 50k?

    Sadly, the boring answer is that it depends.

    This is because there isn’t just money to factor into an investment.

    You also need to consider your age, tax bracket, marriage status, risk tolerance, and timescale.

    All of these factors can impact the right strategy for you.

    As such, those with low-risk tolerances will prefer SIPPs or savings accounts.

    Those with a high-risk tolerance may fancy their chances with the stock market or cryptocurrency.

    However, if you want the best midpoint, property investment may be the right choice for you.

    Not only does property perform well during times of uncertainty, but it can also deliver sizeable returns over a short-term and long-term basis.

    Real estate investment is likely for you if you want to know how to double 50k investments or secure the best return on a £50,000 investment. 

    Consider Speaking to Financial Advisers

    If you decide to invest, it’s highly recommended that you speak to a financial advisor.

    By seeking independent financial advice, you can find what investment fits with your goals and can ensure you’re as ready for an investment as possible.

    Where to Invest £50,000 Safely

    You’ve likely heard the phrase “don’t put all your eggs in one basket,” and this is something especially true for investing money.

    It’s incredibly risky to put all of your 50k into one asset, as you can run the risk of losing all your money if it were to go wrong.

    As such, creating a diversified portfolio can be a fantastic way of maximising your chances of success.

    You can put the bulk of your 50k towards a property through a buy to let mortgage deposit while also putting some money into savings or mutual funds.

    This way, you’ll dip your toes into several investment markets and avoid suffering the impact of one asset failing.

    Conclusion

    Overall, the best way to invest 50k is likely property.

    Not only is property less risky than assets like stocks or cryptocurrency, but it also provides both short-term and long-term returns.

    However, the best way to invest 50k for you will entirely depend on your own investment goals.

    To discover what goals you have and how you can achieve them, it’s recommended you speak to a professional financial advisor.

    What’s the Best Way to Invest £50k? (20) What’s the Best Way to Invest £50k? (21)

    How to Build a £50k Property Portfolio With RWinvest Today 

    We hope you’ve enjoyed our in-depth guide to the best way to invest £50k. 

    If you’re ready to build a property portfolio, look no further than RWinvest. 

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    Join 75,000 investors and invest with the best UK property has to offer. 

    Disclaimer:The content in this guide to the best way to invest 50k is offered for informational purposes. It should not be taken as investment advice. If you’re looking for financial advice, we’d suggest seeking the expertise of a financial advisor before investing your money. This guide to the best investment for £50,000 was last updated in February 2022.

    What’s the Best Way to Invest £50k? (22)

    Daniel Williams

    Senior Property Writer

    (Video) How to Invest 50K to 100K in Stocks (6 Tips to DOUBLE your return!)

    Daniel Williams is a senior property writer at RWinvest. Regularly publishing in-depth articles on topics such as the best investment areas in the UK and guides on how to invest, Daniel has a keen eye for statistics and analysing property market changes.

    FAQs

    What is the best investment with 50k? ›

    Best Strategies to Invest $50,000 Starting Today
    1. Top Off Your Emergency Fund. Risk level: Low. ...
    2. Series I Bonds. Risk level: Low. ...
    3. Paying Off Debt. Risk level: Low. ...
    4. Top Off Your Retirement Contributions. ...
    5. Open a Taxable Brokerage Account. ...
    6. Invest in Dividend Stocks. ...
    7. Invest in ETFs. ...
    8. Invest in Real Estate.
    28 Aug 2022

    Which investments have the best returns? ›

    Overview: Best investments in 2022
    1. High-yield savings accounts. ...
    2. Short-term certificates of deposit. ...
    3. Short-term government bond funds. ...
    4. Series I bonds. ...
    5. Short-term corporate bond funds. ...
    6. S&P 500 index funds. ...
    7. Dividend stock funds. ...
    8. Value stock funds.

    How do you convert 50K to passive income? ›

    15 Ways to Make $50,000 a Year In Passive Income
    1. Invest in real estate.
    2. Purchase shares in dividend stocks.
    3. Peer-to-peer lending.
    4. Write a book.
    5. Start or buy a blog.
    6. Start a drop shipping business.
    7. Sell online courses.
    8. Buy a business.
    23 Sept 2022

    Where should I put 50K? ›

    Here are several ways you could invest $50,000:
    1. Take Advantage of the Stock Market. These days, you don't need a stockbroker to trade stocks. ...
    2. Invest in Mutual Funds or ETFs. ...
    3. Consider Real Estate Investing. ...
    4. Invest in Bonds. ...
    5. Invest in CDs. ...
    6. Fill a Savings Account. ...
    7. Try Peer-to-Peer Lending. ...
    8. Start Your Own Business.
    2 Jun 2022

    Is 50k in savings good? ›

    For most people, $50,000 is more than enough to cover their living expenses for six full months. And since you have the money, I highly recommend you do so. On a different, and equally important note, when you set up an emergency fund, it should be separate from any other savings.

    Where can I invest 50k for 6 months? ›

    Here are a few of the best short-term investments to consider that still offer you some return.
    • High-yield savings accounts. ...
    • Short-term corporate bond funds. ...
    • Money market accounts. ...
    • Cash management accounts. ...
    • Short-term U.S. government bond funds. ...
    • No-penalty certificates of deposit. ...
    • Treasurys. ...
    • Money market mutual funds.
    23 Sept 2022

    How do I make quick cash? ›

    How to make money online
    1. Pick up freelance work online. ...
    2. Test websites and apps. ...
    3. Pick up tasks on Amazon's Mechanical Turk. ...
    4. Take surveys for money. ...
    5. 5. Make money from your blog as an affiliate. ...
    6. Sell your wares on Etsy. ...
    7. Get advertising revenue from your blog or YouTube channel. ...
    8. Become an Instagram influencer.

    Where can I put my money to earn the most interest? ›

    ON THIS PAGE
    • High-yield savings account.
    • Certificate of deposit (CD)
    • Money market account.
    • Checking account.
    • Treasury bills.
    • Short-term bonds.
    • Riskier options: Stocks, real estate and gold.
    • Use a financial planner to help you decide.
    27 Jun 2022

    What is the safest investment with highest return? ›

    Here are the best low-risk investments in October 2022:
    • High-yield savings accounts.
    • Series I savings bonds.
    • Short-term certificates of deposit.
    • Money market funds.
    • Treasury bills, notes, bonds and TIPS.
    • Corporate bonds.
    • Dividend-paying stocks.
    • Preferred stocks.

    How can I invest with no risk? ›

    Low-Risk Investments
    1. Certificate of Deposit.
    2. U.S. Savings Bonds.
    3. Money Market Funds.
    4. Treasury Inflation-Protected Securities (TIPS)
    5. Annuities.
    6. Cash Value Life Insurance.
    7 Sept 2022

    How can I make 10k a month? ›

    Below there are six opportunities listed that are exclusive to how you can make 10k a month online.
    1. Here is how you can make 10k a month.
    2. Property Preservation Contractor.
    3. Virtual Assistant.
    4. Blogger.
    5. Social Media Manager.
    6. Sell on Amazon.
    7. Flip Products from Flea Markets.
    8. Start a YouTube Channel.

    How much money do I need to invest to make $1000 a month? ›

    A quick calculation shows you need about $279,000 to earn $1000 per month, or $12,000 per year, with a 4.3% yield. But even if you don't have that much money, you can use whatever capital you have to generate a high and relatively safe return.

    How do I invest my money to make money? ›

    1. How to invest $1,000 to make money fast.
    2. Play the stock market.
    3. Invest in a money-making course.
    4. Trade commodities.
    5. Trade cryptocurrencies.
    6. Use peer-to-peer lending.
    7. Trade options.
    8. Flip real estate contracts.

    How much is too much cash in savings? ›

    In the long run, your cash loses its value and purchasing power. Another red flag that you have too much cash in your savings account is if you exceed the $250,000 limit set by the Federal Deposit Insurance Corporation (FDIC) — obviously not a concern for the average saver.

    How much does the average person have in their bank account? ›

    The median and average bank account balance in the U.S.
    YearMedian bank account balanceAverage bank account balance*
    2019$5,300$41,600
    2016$4,790$42,580
    2013$4,500$39,690
    2010$4,120$38,000
    3 more rows
    14 Sept 2022

    How much cash should I keep in savings? ›

    Most financial experts end up suggesting you need a cash stash equal to six months of expenses: If you need $5,000 to survive every month, save $30,000.

    Is saving 1500 a month good? ›

    That being said, is saving $1,500 a month a good amount? Yes, saving $1,500 a good. It is roughly 6.5 times better than the average monthly saving of Americans. Given an average 7% return per year, saving 1500 dollars per month for 30 years will end up being $1,750,000.

    Where can I retire with 50k? ›

    Places Where Your Retirement Will Cost Less Than $50,000 a Year
    • St.
    • Atlanta, Ga. ...
    • Mesa, Ariz. ...
    • Raleigh, N.C. Annual Expenditure: $46,717. ...
    • Houston, Texas. Annual Expenditure: $46,808. ...
    • Las Vegas, Nev. Annual Expenditure: $47,815. ...
    • Colorado Springs, Colo. Annual Expenditure: $48,044. ...
    • Fresno, Calif. Annual Expenditure: $48,776. ...
    26 Oct 2020

    How much money can I keep in my bank account without tax? ›

    Thus, as cash deposits and withdrawals of Rs 10 lakh or more in a bank account in a financial year are required to be reported to the tax authorities, you need to be careful if you are exceeding the prescribed threshold. This limit is Rs 50 lakh and more in case of current accounts.

    Where should I put my money instead of a savings account? ›

    Here we look at five, including money market accounts and certificates of deposit (CDs) at online banks.
    1. Higher-Yield Money Market Accounts. ...
    2. Certificates of Deposit. ...
    3. Credit Unions and Online Banks. ...
    4. High-Yield Checking Accounts. ...
    5. Peer-to-Peer (P2P) Lending Services.

    How can I double a 10k fast? ›

    How To Turn 10k Into 20k
    1. Flip Stuff For Money.
    2. Invest In Real Estate.
    3. Invest In Cryptocurrency.
    4. Start An Online Business.
    5. Start A Side Hustle.
    6. Invest In Stocks.
    7. Invest In Debt.
    8. Use A Robo-Advisor.
    7 Jun 2022

    Where can I park money for one year? ›

    Six Best Investment Plans for One Year
    • Liquid funds. These are one of the most popular methods of parking short term funds up to one year. ...
    • Ultra-Short Duration Funds. ...
    • Low Duration Funds. ...
    • Money Market Funds. ...
    • Floater funds. ...
    • Arbitrage funds.

    How can I make $1000 a day? ›

    How can you make an extra $1,000 a day fast?
    1. Deliver food with DoorDash.
    2. Dog sit and dog walk with Rover.
    3. Do projects on HomeAdvisor.
    4. Resell on eBay.
    5. Sell your own products on Etsy.
    6. Start freelance writing for blogs.
    7. Create an online course.
    8. Build a podcast following.
    26 Aug 2022

    How can I make $1000 a week? ›

    How to Make 1000 a Week Online and Offline
    1. Answer Paid Surveys. Companies will pay top dollar to do market research. ...
    2. Start a Blog. One of the ways you can make fast money online is by starting your own blog. ...
    3. Work as a Tutor. What is this? ...
    4. Collect Sign-Up Bonuses. Many sites and apps will pay you by simply registering.

    How can I make $1000 in 24 hours? ›

    How To Make $1,000 In 24 Hours
    1. Sell Stuff You Own. ...
    2. Design Websites For People. ...
    3. Ecommerce Store Launches. ...
    4. Blogging. ...
    5. Offer Coaching Classes To Groups. ...
    6. Consulting. ...
    7. Sell Seasonal Products. ...
    8. Ask For A Raise.
    4 Jul 2022

    What is the best thing to do with a lump sum of money? ›

    Investing a lump sum payment into some form of savings certainly makes sense, but it's probably best to keep it in an account that offers some flexibility and can be accessed without penalty if you wind up needing the funds.

    Is 50k a lot of money? ›

    For most people, $50,000 is more than enough to cover their living expenses for six full months. And since you have the money, I highly recommend you do so. On a different, and equally important note, when you set up an emergency fund, it should be separate from any other savings.

    Where can I invest $50000 in short-term? ›

    Here are a few of the best short-term investments to consider that still offer you some return.
    • High-yield savings accounts. ...
    • Short-term corporate bond funds. ...
    • Money market accounts. ...
    • Cash management accounts. ...
    • Short-term U.S. government bond funds. ...
    • No-penalty certificates of deposit. ...
    • Treasurys. ...
    • Money market mutual funds.
    23 Sept 2022

    What should I invest 40k in? ›

    One of the most straightforward ways to invest 40,000 dollars is to invest in stocks and exchange-traded funds (ETFs.) Stocks let you own a part of a company. And ETFs are funds that often contain numerous stocks or other securities to provide investors with more diversification.

    Where is the safest place to put a large sum of money? ›

    Key Takeaways. Savings accounts are a safe place to keep your money because all deposits made by consumers are guaranteed by the FDIC for bank accounts or the NCUA for credit union accounts. Certificates of deposit (CDs) issued by banks and credit unions also carry deposit insurance.

    What can you do with 50K windfall? ›

    If you inherit a significant amount, such as $50,000, a strategy for wisely handling a windfall could likely include making a long-term plan for your age and goals, start with a well-stocked emergency fund and employ tax-advantaged investments if available.

    How much is too much cash in savings? ›

    In the long run, your cash loses its value and purchasing power. Another red flag that you have too much cash in your savings account is if you exceed the $250,000 limit set by the Federal Deposit Insurance Corporation (FDIC) — obviously not a concern for the average saver.

    How much cash should I keep in savings? ›

    Most financial experts end up suggesting you need a cash stash equal to six months of expenses: If you need $5,000 to survive every month, save $30,000.

    How much does the average person have in their bank account? ›

    The median and average bank account balance in the U.S.
    YearMedian bank account balanceAverage bank account balance*
    2019$5,300$41,600
    2016$4,790$42,580
    2013$4,500$39,690
    2010$4,120$38,000
    3 more rows
    14 Sept 2022

    What is the safest investment with highest return? ›

    Here are the best low-risk investments in October 2022:
    • High-yield savings accounts.
    • Series I savings bonds.
    • Short-term certificates of deposit.
    • Money market funds.
    • Treasury bills, notes, bonds and TIPS.
    • Corporate bonds.
    • Dividend-paying stocks.
    • Preferred stocks.

    What is the best way to invest money to make money? ›

    Almost everyone should own stocks. That's because stocks have consistently proven the best way for the average person to build wealth over the long term. U.S. stocks have delivered better returns than bonds, savings yields, and gold over the past four decades.

    How can I double a 10k fast? ›

    How To Turn 10k Into 20k
    1. Flip Stuff For Money.
    2. Invest In Real Estate.
    3. Invest In Cryptocurrency.
    4. Start An Online Business.
    5. Start A Side Hustle.
    6. Invest In Stocks.
    7. Invest In Debt.
    8. Use A Robo-Advisor.
    7 Jun 2022

    What is the safest investment? ›

    For example, certificates of deposit (CDs), money market accounts, municipal bonds and Treasury Inflation-Protected Securities (TIPS) are among the safest types of investments. Certificates of deposit involve giving money to a bank that then returns it with interest after a certain period of time.

    Where is the safest place to put your retirement money? ›

    The safest place to put your retirement funds is in low-risk investments and savings options with guaranteed growth. Low-risk investments and savings options include fixed annuities, savings accounts, CDs, treasury securities, and money market accounts. Of these, fixed annuities usually provide the best interest rates.

    What can I do with a large sum of money? ›

    If you receive a lump sum of money, it's important to consider how you can use it to achieve your financial and personal goals.
    • Pay down debt: One of the best long-term investments you can make is to pay off high-interest debt now. ...
    • Build your emergency fund: ...
    • Save and invest: ...
    • Treat yourself:

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