6 Ways to Lock in Yields Above 5%

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Are you bummed out by the low returns on your investments? Then, it’s time to explore new strategies that can boost your earnings.

From high-yield savings options to alternative investments, we’ll guide you through opportunities that many investors overlook.

You’ve worked hard for your money, and you deserve to see it work hard for you too. Stop watching from the sidelines while others build their fortunes.

Take the first step toward better returns today.

1. 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. Lots of companies in the gold business are pretty shady and won’t hesitate to sell you gold and silver at vastly inflated prices.

Goldco, on the other hand, has an A+ rating from the Better Business Bureau, an AAA rating from Business Consumer Alliance, and 4.8 to 5 stars on Trustpilot, TrustLink, Google reviews and ConsumerAffairs. They offer just about everything, from precious-metal IRAs to gold coins and gold bars.

You’ll even receive up to $10,000 in free silver on qualified purchases. If you’ve ever thought about investing in gold, why not take a look?

2. 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.”

3. Get more money without more risk

It’s this simple: If you’ve got savings in a traditional bank savings account, you’re throwing money away.

In just a few minutes, you could move those savings to a financial technology company, like Upgrade, and earn tons more interest with no additional risk.

Upgrade’s FDIC or NCUA-insured Premier Savings account is currently offering 5.21% Annual Percentage Yield (APY)– nearly 12 times the national average . And all you have to do to earn that high rate is maintain a minimum balance of $1,000.

If you move $100,000 from a low-interest account to Upgrade’s Premier Savings, you could earn an extra $5,000 every year. No additional risk, 5 grand more: all financial decisions should be this easy.

If you’re OK with earning basically nothing, go ahead and stick with your big bank. But if you want your money to work as hard for you as you do for it, make a move. Take a few minutes right now and check out Upgrade. You’ll be a little richer for it.

4. Whining about the market? Try wine-ing instead

Every successful investor knows how important it is to diversify your savings with different types of assets, like stocks, bonds, gold and real estate.

But don’t stop there. If you’re looking to add something completely different, here’s an idea: check out Vinovest. They make it simple, and rewarding, to invest in fine wine and whiskey. The Vinovest team combines insider knowledge and bulk buying power to acquire high-value bottles and barrels at the best prices. By purchasing large quantities directly from vineyards and distilleries, Vinovest secures deals that individual investors can’t match.

Vinovest handles all the details, from authentication to storage and insurance. You just sit back and watch your returns grow. While past returns are no guarantee of future results, Vinovest clients have enjoyed exits up to 30.7%.

Ready to uncork the potential of alternative investments? Join 150,000+ other Vinovest investors and diversify your savings with wine and whiskey. Get more information right now by clicking here.

5. 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.

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.

Stacy Johnson / Money Talks News

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