7 Alternative Assets That Could Redefine Your Savings

If your savings are sitting in a low-interest account, you’re not alone — and you’re likely losing out to inflation.

While traditional investments like stocks and bonds have their place, alternative assets are gaining attention for their potential to diversify portfolios, reduce risk, and increase long-term returns.

From real estate to collectibles, these seven alternative assets could help redefine your savings strategy — and build real wealth in the process.

Looking to go beyond basic savings and build real wealth? If you have over $100,000 in investments, WiserAdvisor can connect you with a vetted financial advisor to help you explore smart alternative assets that fit your goals.

1. Real estate crowdfunding

You no longer need deep pockets to invest in real estate. Crowdfunding platforms let you pool funds with other investors to access commercial or residential properties.

It’s a hands-off way to earn passive income and diversify beyond stocks and bonds.

Real estate isn’t just for millionaires anymore. Fundrise lets you start investing in income-generating properties with as little as $10 — making it easy to diversify and grow your savings passively. Note: This is a testimonial in partnership with Fundrise. We earn a commission from partner links on moneytalksnews.com. All opinions are our own.

2. Precious metals

Gold, silver, and other metals have long been used as inflation hedges and safe-haven assets during market volatility.

While they don’t produce income, they can help stabilize your portfolio during economic uncertainty.

Looking for a way to shield your savings from market swings and inflation? Open a gold IRA to add long-term stability and protection to your retirement portfolio.

3. Fine art and collectibles

From vintage watches to rare sneakers and fine art, collectibles are gaining ground as alternative investments.

Platforms now let everyday investors buy fractional shares of high-end items that may appreciate over time.

Saving money doesn’t have to be complicated. AARP membership is just $15 and unlocks deals on everything from meals to medical needs — perfect for collectors and savvy spenders alike. Join now and save hundreds.

4. Cryptocurrency

Crypto isn’t just for tech bros anymore. Bitcoin and Ethereum are gaining acceptance as legitimate assets, and some investors allocate a small portion of their portfolio to crypto for growth potential.

Just remember — it’s high risk, high reward.

Exploring crypto for growth? One easy way is to use a credit card that rewards you with cryptocurrency. Get a $200 bonus in bitcoin or 50+ other cryptos after spending $3000 in the first 90 days. Enjoy up to 4% instant rewards with no annual fee or foreign transaction fees. Start building your portfolio just through everyday purchases.

5. Farmland

Farmland investments offer exposure to one of the oldest — and most stable — asset classes. Returns often come from rental income and land appreciation.

This type of asset isn’t flashy, but it’s historically resilient during downturns.

Americans have $30 trillion in untapped home equity — and like farmland, it’s a valuable asset that shouldn’t sit idle. Hometap lets you unlock up to $600K of your wealth without monthly payments or personal liability, so you can access your equity without taking on more debt.

6. Peer-to-peer lending

Through P2P lending platforms, you can act like a bank — lending money to individuals or small businesses in exchange for interest payments.

Returns can be attractive, but make sure you understand the risk of borrower defaults.

If you like earning interest, don’t overlook your retirement strategy. A SoFi IRA lets you grow your money with matched contributions and compound returns — a steady way to build wealth alongside higher-risk plays like P2P lending. Get started today.

7. Private equity and startups

Thanks to regulation changes, private equity and startup investing are now accessible to non-accredited investors.

These long-term plays can deliver huge gains — or nothing at all — so they’re best for investors with a high risk tolerance.

Exploring high-risk investments like startups? Make sure you have access to flexible funding too. A home equity loan can provide fast cash when you need it. See how much you can get, how fast you can get it, and how little you'll pay.

Diversify your way to stronger savings

Traditional savings accounts have their place — but they won’t build wealth on their own. By exploring alternative assets, you open the door to greater diversification, potential returns, and long-term security.

Start small, do your homework, and choose assets that match your risk tolerance and financial goals. Your future self will thank you.

Ready to go beyond the basics? Vinovest lets you invest in fine wine and whiskey — tangible assets that historically appreciate over time. You can get started with as little as $1,000 and add unique flavor to your portfolio.