8 Low-Risk Ways to Invest $25,000

If you’ve got $25,000 in savings, congratulations! You’re now in a great position to make that money work harder for you and turn it into lots more. But with all the options out there, figuring out what to do next can be tricky.

We’ve got you covered with a bunch of smart money moves that could pay off big time. From new to tried-and-true, this guide will show you how to grow your nest egg and balance risk and reward. No complicated jargon, just straightforward advice you can actually use.

Not all these tips may work for you, but some definitely will, so be sure to read them all.

1. Get a second set of expert eyes

To properly manage your money, work with a professional — it’s totally worth it. If you’re not doing this, you could be missing out on some serious financial gains.

A Vanguard study found that, on average, a hypothetical $500,000 investment over 25 years would grow to $1.7 million if you manage it yourself, but more than $3.4 million if you work with a financial advisor. That’s twice as much!

If you’ve got at least $100,000 in investments, check out a free service called SmartAsset. You fill out a short questionnaire and instantly get matched with up to three vetted financial advisors in your area, all legally bound to work in your best interests.

Even if you don’t want help picking investments, an advisor can help lower your tax burden, create a comprehensive financial plan, maximize your Social Security, help with estate planning and making sure you’re on the right track. They can also be there in case one day, you’re not.

Using SmartAsset only takes a few minutes, and in many cases you’ll be offered a free consultation.

Nothing to lose and lots to potentially gain. Take a minute and check it out right now!

Please carefully review the methodologies employed in the Vanguard white paper, “Putting a value on your value: Quantifying Vanguard Advisor’s Alpha.”

2. Don’t put all your eggs in one basket

If a large part of your savings is in the stock market — as it should be — you’re well aware that what goes up can also go down. You can’t control the market, but you can hedge against uncertainty by having other forms of wealth.

One of the best ways to protect your savings is diversification. Keep money in different types of investments, ideally ones that go up when others are going down. For example, stocks tend to do poorly when inflation and interest rates are rising and there’s political turmoil brewing.

But there’s one investment that thrives in this scenario: gold.

Be careful who you deal with, though. Some companies in the gold business are shady and won’t hesitate to sell you gold and silver at vastly inflated prices.

Rosland Capital, on the other hand, has been seen on Fox since 2008 and is recommended by William Devane. They have an A+ rating from the Better Business Bureau and an AAA rating from Business Consumer Alliance. They offer just about everything, from precious-metal IRAs to gold coins and gold bars.

You’ll even receive up to $15,000 in free gold on qualified purchases. If you’ve ever thought about investing in gold, check it out right now!

3. Leave your family $5 million richer

You’d move mountains for your family, but what if you’re not around? Who’ll keep the household running? That’s where life insurance saves the day. Unless your kids are already off the payroll and you’re rolling in dough, you’ll want coverage.

Enter SBLI (Savings Bank Life Insurance). These folks make getting life insurance easier than ordering pizza. Just a few clicks from your couch, no doctors poking or prodding. Answer some quick health questions, and boom — a personalized quote in under 5 minutes.

With SBLI, you can snag term life insurance worth up to $5 million. Or go for the gusto with trusty whole life. Either way, it might cost you less per month than your daily caffeine fix.

Over 1,000,000 families have trusted SBLI with over $187 billion in coverage since 1907. They’re legit and they’ve got your back.

Why put it off? Protecting your loved ones is kind of a big deal.

Get a free, no-obligation quote from your friends at SBLI right now.

4. Invest in real estate for $10

Real estate has long been a path to wealth. But you need to be wealthy to get started, right?

Wrong. For as little as $10, Fundrise can get you started. Fundrise lets you buy into real estate properties the same way stocks let you buy into companies.

In effect, you’re a landlord without having to run background checks or serve eviction notices. While not a guarantee of future results, Fundrise investors have earned an average of 25% within three years; if they held on for five years, the increase was more than 50%.

People are always going to need a place to live — and recent rent jumps make real estate investing more profitable. Rent prices went up almost 17% in 2021, according to data from Harvard’s Joint Center for Housing Studies.

Take two minutes and check it out.

Note: This is a testimonial in partnership with Fundrise. We earn a commission from partner links on moneytalksnews.com. All opinions are our own.

5. Protect your family and your future now

Here’s hoping your retirement years are active, healthy and vibrant, and that you’re able to function as you always have, right up until the time you shuffle off this mortal coil.

But don’t bet on it. According to the U.S. Department of Health and Human Services, 7 in 10 people who turn 65 today will probably need some kind of long-term care.

“But won’t Medicare take care of all that?” Nope. Medicare doesn’t cover long-term custodial care — and paying for it out of pocket could take a huge chunk of your retirement savings. That, plus inflation, could mean near or total depletion of your nest egg.

Without long-term care insurance, your options aren’t great: running through savings, borrowing money, burdening your family with your care, and possibly losing independence because you can’t live on your own.

One place to find long-term care insurance is GoldenCare. (Unless you live in the four states where GoldenCare doesn’t operate: Alaska, Florida, Hawaii and Washington.)

At least check it out and see if it’s a fit. Because planning now could mean a more secure tomorrow.

6. Invest now for a stable monthly income for life

Are you over 50 years old and still relying on CDs for retirement savings? If so, it’s time to reconsider. With rates soaring up to 6.9%, annuities offer safety, and their interest accumulation beats CDs by 20% or more.

What can 20% more interest mean for you? Let’s look at an example.

Today’s CDs max out at about 5%. So, if you earn 5% on $100,000 over ten years, you’ll end up with about $163,000. But if you can earn 6.9% with an annuity, you’ll have nearly $195,000. That’s $32,000 more money you could use to travel, fix up the house or spend on whatever you want.

Annuities also offer tax-deferred growth for turbocharging compounding. And they can do something CDs can’t — they can be converted into a stable monthly income for life.

Ready to learn more? Get unbiased advice and info at Annuity.org. And if you like what you see, schedule a free consultation with a trusted retirement planning advisor.

Nothing to lose, and potentially a lot to gain. Check out Annuity.org today.

7. Use this secret source for discounts

Are you over 18? Then you’re eligible to save hundreds of dollars every year simply by joining AARP.

“What?” You say, “I thought AARP was for retired people.”

As it turns out, you don’t have to be 50 or older to join AARP. And members get discounts on hundreds of things, like:

• Up to $200 per person off flights
• Up to 30% off rental cars
• Up to 15% off restaurants
• Up to 20% off hotels

You’ll also save on eyeglasses, prescriptions, meal deliveries and lots more. And that’s not all. AARP offers a Fraud Watch Network, job listings, retirement planning tools, games, and tons of information, programs and resources.

Anyone trying to save money can’t afford not to join AARP, especially since the cost is as low as $12 per year with auto-renewal. You’ll likely recoup the cost in the first week. Click here and check it out.

8. Get the safety of guaranteed return along with the upside of stocks

Are you tired of playing it safe with your investments, missing out on potential market gains? Or perhaps you’ve been burned by volatile stocks before, and the idea of losing your hard-earned money keeps you up at night.

Introducing Save's Market+ program – a unique investment opportunity that combines the best of both worlds: a guaranteed annual return and the potential for even greater gains through stock market exposure.

Here’s how it works:

💰 Your principal investment is guaranteed, so you’ll never lose a penny of your initial investment.
📈 You’ll earn a fixed 3% annual return, no matter how the market performs.
🚀 Plus, you’ll also benefit from any market upside based on an S&P 500 linked portfolio, allowing you to capitalize on stock market growth.
🔥 This combination of guaranteed and market linked returns has a total variable APY of 9.24%.

Signing up is easy:

👤 Provide some brief information and open an account.
💸 Fund your Market Plus account with your desired investment amount.
🕰️ Sit back, relax, and watch your money grow steadily while enjoying potential market-linked gains.

Don’t miss out on this opportunity to have your cake and eat it too. Invest with confidence and reap the rewards of both guaranteed returns and market upside with Save's Market Plus program.