In times of galloping inflation, many of us face a dilemma where to invest money so that it does not lose its value. Another reason why we invest is simply the desire to multiply our capital. What stands in the way of investing is, above all, the fear of the risk of losing money or the lack of idea where to invest your funds. In this guide, we present 10 ready-made ideas on how to start investing and where to invest USD 10,000 in 2025.
Bank deposits
Bank deposits are a safe place where we can invest our savings for a certain period of time, without incurring risk. Currently, banks do not have high interest rates to offer, which means that there is little chance of protecting your funds fully against inflation.
However, if you do not want to look for other options and the fear of loss is high, consider a savings deposit. However, we should remember that banks that want to attract new customers have more favorable interest rates. This means that it is not worth taking advantage of the first offer from a domestic bank. It will be more beneficial to look around for offers from the competition.
Stock exchange
Investing in the stock market is one of the riskiest forms of investing. However, if you are up to date with the subject of finance and can efficiently observe markets and trends, this may be something for you. Buying shares on the stock exchange is associated with risk, but also with the possibility of profits, and to start you need to open an investment account with a brokerage house of your choice. Access to analytical tools is also important.
Cryptocurrencies
Investing in cryptocurrencies is similar to investing in stocks, traditional currencies, or commodities. Cryptocurrencies are digital assets that can be bought and sold on exchanges. Like other investments, they are volatile and fluctuate in value. However, as the situation with Bitcoin shows, high profits can be achieved depending on the market situation.
Investing in cryptocurrencies in many ways resembles trading stocks, traditional currencies or raw materials, in most cases it is about buying a given instrument as cheaply as possible and selling it high.
Ready-made online store and online sales
If you want to allocate your investment funds to your own business, the e-commerce industry is for you. Nowadays, it is a very stable industry, in which we are not exposed to such high costs and threats as in the case of a stationary business (the cost of renting premises or fee increases). Plus, if you learn how to manage sales and marketing properly, you can make a lot of money. All you need to do is have a selected industry and use a ready-made platform that has all the functionalities to run your own store on the Internet. Do you want to learn how to set up your own e-store? Check out our guide!
RedCart software will allow you to set up a ready-made online store with the support of specialists. This is a beneficial solution due to the fact that the profit may be greater than the initial investment, and after time it is possible to diversify income by expanding the store with new assortment and new markets. You can also test the e-shop platform for free to see if this solution is for you.
Online training and courses
Do you know something that most people around you can’t? This may mean that your knowledge is valuable enough to start making money from it. Invest the money you have in creating courses. Recording equipment and video editing software will come in handy. Later, consider buying a website and creating a training platform where you can start sharing your online course for a fee. You can become a coach expert in programming, automotive, e-commerce, the beauty industry, or even mathematics and provide your clients with full support in gaining knowledge – there are really many possibilities.
Contrary to appearances, such courses are eagerly sought after by young people without experience and knowledge in a given industry. Do you have a knack for teaching and conveying information? Become a creator on platforms like Youtube. From 2023, TikTok has introduced a new service – Tiktok series. This allows you to add up to 80 videos (maximum duration 20 minutes) that users can access after paying the amount you specify.
Treasury bonds
This is an offer for people who want to freeze their savings without risk. In the branches of a particular bank, we can buy Treasury bonds and secure our finances against inflation. Importantly, inflation can work in our favor in this case, because there are, for example, inflation-indexed bonds on the market. After a certain date, the bank returns a certain amount with the accumulated interest, and the purchase of the investment previously for the agreed amount takes place without losing interest.
The deposit has a predetermined interest rate, which it will pay you back at the end of the year. On the other hand, with bonds, you can earn more, because their profit depends on the change in prices on the bond market and the interest rate, which can bring a greater return, but is also subject to greater risk.