Four Investment Ideas To Help You Make The Most Of Your Savings

You do not need us to tell you how chaotic things are out there for graduates right now. The pandemic has had a huge impact on people of all ages from all walks of life, but anyone who is in the final year of their university degree or has just graduated has been watching the news and keeping one eye on the market and wondering what kind of future they are going to be walking into.

The Best Investment Ideas

Things are starting to look up out there. Vaccines are rolling out around the world.

We are starting to see restrictions roll back and more freedom coming back into our lives.

We are also, finally, starting to see the job market bounce back for graduates (although it is true that you will be facing a huge amount of competition for the roles you will be going for).

It feels like we can finally start being a little more optimistic about our futures, and actually look for opportunities for growth rather than just treading water.

When you are looking investment ideas or wondering how to do it, it can feel like you’re walking into a bit of a minefield. Do you play it safe, or do you take some big chances?

Do you stick with the traditional investment options, or do you dip your toe into some new ideas?

Here are a few investment ideas to help you invest your money wisely with minimal risk but a little creativity.


Don’t Put Everything In One Place

We all have the impulse to go all-in when we feel like we’re backing the right horse, but if you’re trying to create an investment portfolio, this is not the way to go.

Diversifying your options will minimise your risk.

If that flashy new investment opportunity you felt so confident in suddenly goes horribly wrong, then you will be looking at a huge loss if you’ve put all your eggs in that basket.

It is also important to note that diversifying allows you to take more calculated risks.

Look beyond the expected investments for young people and think about what trends you could identify.

Now, it is true that investing your money in a conservative, steady option will yield a steady, conservative return.

But if you are looking to make a little more and to see some speed on that return, it’s worth spreading out a little bit.


Think About Investing In Property

Speaking of traditional investments, everyone wants to get on the property ladder.

Depending on where you live, the chances of you buying a home may be more or less likely.

Are you going to find a house in the city centre that is spacious and helpfully located within walking distance of useful transport links?

Probably not.

Could you look further afield at a commuter town and find something that is in your price range?

Or, given that everyone is working from home for the foreseeable future even as offices are starting to reopen, think about whether moving further afield could be a great investment.

The most important thing to remember when you are making the decision about whether to invest in property is to do your research.

If a bargain seems like it is too good to be true, it probably is.

Find out more about the location to see if there’s anything the estate agent isn’t telling you.

Is it really an up-and-coming area, or are prices always going to be low there for a reason?

Make sure you bring your own surveyor in to look for all those hidden problems (there are always going to be hidden problems).

Investing in property assuming that it will go up in value is not necessarily a bad idea but there are always risks, and you can never know for sure what the market will do.

Be patient and don’t let yourself be rushed into anything.


Look For Evolving Trends

When you don’t already have your assets tied up in a number of different investments, you do have that freedom to think a little more boldly and creatively.

Digital finance is one of those areas that can get some bad press on account of its volatility and unpredictability.

While it is important to note that it certainly is volatile and unpredictable, it is also more widely accepted and more widely catered for than ever before, with more and more tools available to help you make the most of your investment.

At the risk of sounding like a broken record, the more research that you do, the better chance you have of succeeding in trading in cryptocurrency.

One of the most important questions to ask yourself is what exactly you want to do with your investment.

Do you want to buy some digital currency and wait to see if it appreciates in value, or do you want to dive in and see if you can make some moves?

One of the most talked about recent trends in crypto is yield farming, in which you can earn by lending your assets.

If you temporarily give a platform access to your crypto assets, you can earn some of their fees in return.

Yield staking is a popular alternative, where you can stake your crypto assets to help boost the platform’s security.

It’s more long term but it comes with more predictable results.

It sounds complicated, but there are several new programs and software tools to get you high yield staking with minimal headaches.

Unagii offers stake software that means you can maximize holdings and delegate governance votes.


Think About Whether You Need An Accountant Or Financial Advisor

As you may have gathered from everything we have discussed so far, investing is a process that can be a bit of a time-sink.

You need to do as much research as possible on every single investment.

You need to stay on the ball and keep up with daily fluctuations to make sure that you are not committing to something that is going to suddenly tank.

You also need to figure out how to stay flexible as possible if you want to make real money quickly.

In short, it’s a full-time job and things are chaotic enough out there already without having to constantly check your finance app.

A financial advisor or accountant might seem like an unnecessary expense, especially if you feel confident in this arena already.

However, if you are serious about seeing a return on your investments in the near future instead of buying some bonds and waiting for a nice slow return, then it makes sense to bring an extra pair of eyes on board to keep watch over your finances when you can’t.

A lot of people still think that an accountant is there to make sure that everything gets filed correctly and to warn them when they’re drifting into financial difficulty.

But they are also there to spot opportunities that you might have missed, to identify areas that you can invest in and warn you off potentially bad investments.

They are also someone that you can bounce ideas off, a seasoned professional who thinks creatively.

We could all use a little friendly advice sometimes, and with the market as uncertain as it is right now, financial advices.

Photo: Shutterstock 

Check out more investment ideas in our Magazine: How To Start Investing For Beginners

How To Start Investing For Beginners?

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