How to invest and make money?

How to invest and make money? (18 proven way)

Investing is often recommended as a means to grow your wealth as it offers numerous advantages over simply saving your money. By allocating your funds to assets that generate additional income, you can establish a passive income stream. Keep on reading to understand how to invest and make money successfully.

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There is a wide range of options available, enabling you to select the most suitable opportunity for creating new sources of income. In this article, we will explore effective strategies for investing and earning money.

We will also delve into 18 different ways to invest your funds and generate daily returns across various types of assets. These approaches will empower you to expand your financial avenues and secure a brighter financial future.

Invest In Real Estate

Investing in property used to be a challenge for many people due to the large amount of capital required. However, with the advent of real estate crowdfunding, it has become more accessible.

This involves pooling funds from multiple investors to make real estate investments.

Fundrise is a company that specializes in real estate investment, with a focus on purchasing properties that are typically rented out. They offer investors regular quarterly dividends.

Dividend Stocks & ETFs

Investing in dividend stocks is a popular way for individuals to supplement their income while also benefiting from stock market growth.

It’s easy to get started and maintain an interest in this type of investment.

To begin, check out the Dividend Aristocrats list which features companies that have consistently increased or paid dividends annually for the past 25 years.

You might recognize some well-known names on the list!

  • AT&T
  • Coca-Cola
  • Johnson & Johnson
  • Lowe’s
  • PepsiCo
  • Procter & Gamble
  • Target
  • Walmart

Use Micro-Investing Apps

If you have little money to invest, try investing through apps that allow you to earn money quickly. One of these is the app known as Acorns, which allows you to earn money by putting your shopping into a portfolio.

Through the app, you can automatically round up your purchases and invest the difference. For instance, if you buy an iced coffee and a muffin for $4.25, you can have the app round up the extra $0.75 to invest on your behalf. It’s all about building a habit and investing regularly.

Through the app, Acorns can help you set up a customized portfolio that’s designed to meet your varying risk tolerance and goals.

One of the app’s features is its earn options, which allows users to earn money by shopping at over 350 retailers. You can earn cashback if you shop using the app at the partner stores such as:

  • Apple
  • Blue Apron
  • Kohl’s
  • Macy’s
  • Nike
  • Sephora
  • Walmart

The app offers a shopping browser extension that rewards users with cash back for their online purchases.

However, to access this feature along with investing options, users are required to pay a monthly fee of $3 for the beginner plan.

While there are other similar services available like Stash, Acorns is a more well-known option that also allows users to invest their shopping rewards in a portfolio.

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Some more popular micro-investing apps include:

  • M1 Finance is a brokerage platform that enables individuals to invest in stocks and exchange-traded funds with a minimum investment amount of $100. They don’t impose any fees or commissions for trading or brokerage services.
  • On the other hand, Webull is an online brokerage service that doesn’t necessitate a minimum deposit or trading charges. In our review, we thoroughly discussed its functionalities and operational procedures.

Invest In An Online Business

Starting an online business is one of my preferred methods of generating income.

Although it may not be a conventional investment strategy, I find it to be a reliable way of establishing a regular stream of revenue.

Invest In An Online Business

In my opinion, online businesses have immense potential for profitability, surpassing nearly every other type of investment approach. Blogging is just one example of the countless opportunities available for earning income through online businesses.

  • Running display ads with companies like Mediavine and Monumetric
  • Selling sponsored posts
  • Affiliate marketing income
  • Selling your own products or services
  • Selling coaching and online courses

Blogging is a great way to earn money from the comfort of your own home.

You can also use platforms like Redbubble and Zazzle to sell print-on-demand products or create your own store on Etsy to sell unique designs.

The best part about these opportunities is that you don’t need a lot of money to get started – even a small investment of $50 to $200 can help launch your business.

There are numerous options to earn money online and it’s never too late to explore them.

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Purchase Rentable Assets

One of the easiest ways to make money is by buying assets and then renting them out for profit. It’s also surprising how many items you can rent out for profit if you’re creative. Few popular rental assets to earn money are:

  • Making money with a spare room through Airbnb
  • Renting out your car with Turo
  • Renting out a shed or extra storage space with Neighbor
  • Renting out an instrument on websites like Fretish
  • Renting out gear like cameras and drones on Fat Llama

Have you heard of Fat Llama? It’s an awesome online platform that lets you rent out all sorts of things at affordable rates. One of their offerings in London right now is a portable power washer for only 20 pounds a day. Pretty neat, huh?

Peer-To-Peer Lending (P2P)

Have you heard of peer-to-peer lending? It’s a way for individuals to lend money to others without involving a bank.

The interest you receive from the borrower is your profit. For example, if you lend $1,000 through a P2P platform and the borrower pays back with a 10% interest rate, you’ll make $100 in profit.

However, it’s important to do your research and choose a reputable platform since there are risks involved in P2P lending.

Exchange-Traded Funds

Investing in exchange-traded funds (ETFs) and individual stocks can be a smart approach to grow your capital over the long run. Of course, having the initial investment funds is essential to get started on this path.

Although the returns from these investments might appear modest at first, they have the potential to add up gradually and result in substantial profits over time.

Nevertheless, it’s crucial to acknowledge that investing in the stock market carries certain risks. While established stocks generally don’t encounter substantial losses, there is always a level of uncertainty and potential risk involved. It’s important to be aware of this when venturing into the market.


There are different types of bonds available for investors to consider such as corporate, municipal, and treasury bonds.

However, it’s important for investors to understand the distinctive features of each type before making any investment decisions.

When companies need to raise money, they often issue corporate bonds.

Although corporate bonds tend to offer higher returns, they are also considered to be riskier compared to treasury bonds.

Meanwhile, municipal bonds are issued by state governments and cities to fund various projects.

On the other hand, treasury bonds are issued by the US government, and are generally perceived as the safest investment option available.

Cryptocurrency Investment

Investors often use Bitcoin and other cryptocurrencies to explore investment opportunities while ensuring secure transactions through cryptography.

Investing in digital currencies is possible through various means, with buying them through online exchanges being the most common.

This method enables individuals to hold them as investments or participate in transactions.

However, it’s crucial to acknowledge that investing in digital currencies involves significant risks due to the constantly fluctuating prices of these currencies.

High Yield Savings Account

If you’re keen on maximizing your savings and increasing your earnings from deposits, high-yield savings accounts could be the ideal option for you.

They provide superior interest rates compared to standard checking accounts. However, it’s crucial to diligently compare various offers and gain a complete understanding of the terms and conditions before finalizing your choice.

This will guarantee that you select the most suitable account for your requirements and prevent any unexpected situations in the future.


Real estate investment trusts (REITs) offer an intriguing investment opportunity that allows individuals to participate in real estate ownership without the need to personally acquire physical properties.

Essentially, multiple investors combine their funds to purchase a portfolio of properties, and everyone involved receives a portion of the income generated by those properties.

Moreover, investing in REITs often entails receiving consistent dividends on your investment.

Money Market Account

A money market account is an account that provides a higher interest rate than a regular savings account and permits check deposits and debit card usage.

The interest rate on this type of account may differ, so it’s crucial to locate the most favorable option. It’s an excellent choice for those who want to save for a brief period, like augmenting their daily income.

Additionally, it’s a suitable alternative for individuals who prefer to earn more returns than what a traditional savings account offers.

Day Trade Stocks

Day trading is a popular financial activity that involves purchasing and selling stocks within the same day.

While it can be a lucrative pursuit, it’s not without its risks. Before jumping into day trading, it’s essential to establish a budget for investment.

Various tactics exist for making these determinations, such as employing mathematical equations or working with assertive brokers.

However, it’s vital to recognize that even with these methods, there is always a possibility of financial loss.

Certificate Of Deposit

A certificate of deposit, commonly known as a CD, is a savings option that provides a fixed interest rate on a lump sum of money for a specified duration.

It serves as a suitable choice for individuals aiming to save for particular objectives like purchasing a house or an automobile. CDs can be initiated at various banks and credit unions.

Typically, a minimum deposit of approximately $200 to $500 is required to open a CD. It is important to consider the taxable nature of interest earnings while planning your finances.

Acquire A Business

Acquiring an established business presents the advantage of obtaining an instant revenue source rather than relying on the gradual growth of a new venture.

Collaborating with brokers or consultants allows you to assess the business’s value and ensure it justifies the asking price.

Moreover, you have the flexibility to select from various investment options like debt financing or equity investment, tailoring your choice to align with your objectives and personal preferences.

Invest In An IRA

An individual retirement account (IRA) is a fantastic investment option tailored for retirement savings. It presents a range of benefits, including advantageous tax provisions.

Notably, contributions made to an IRA can be deducted from taxable income, resulting in potential tax savings. Additionally, the earnings generated within the account can grow tax-free until the funds are withdrawn, offering further tax advantages.

Overall, IRAs stand out as an excellent investment avenue due to their ability to provide tax breaks while helping individuals save for their retirement.

Become An Influencer

Once you’ve determined your specific area of expertise, it’s important to develop engaging content that will deeply connect with your intended audience.

It’s also beneficial to engage with fellow enthusiasts in your field and utilize social media platforms to share and promote your valuable content.

Additionally, collaborating with advertisers or partnering with brands allows you to generate income from your website or blog.

Become A Content Creator

If you’re searching for a career that offers flexibility and the possibility of earning a good income without having to work excessively, content creation may be the right path for you.

This profession can be quite lucrative and can be pursued from anywhere in the world, as long as you have a computer and an internet connection.

With such a diverse range of content creation options available, selecting a particular one can be challenging.

You can choose to write blogs, make videos, or create articles, in addition to designing websites and infographics.

To succeed as a content creator, the first step is to find a subject matter that ignites your passion and then focus on producing valuable and original content in that area.


I hope after going through the article you will get enough ideas of how to invest and make money. If you liked the ideas do share the article with your friends and family and drop a comment and let us know what do you think of these ways.

Also, if you liked the article you will also like other articles which share such knowledge and help you stay updated with the latest trends in finance and take care of your finances.


What do millionaires invest in?

Even if their annual salary is high, most people who are very rich invest their money in stocks, mutual funds, and retirement accounts. These types of investments are typically the best way to grow their wealth.

Should you use a micro investing app?

If you’re not able to save enough for retirement, micro-investing might be a good idea. It can help you start building a nest egg, but it will require a substantial amount of money to secure your future.

What is a micro investing app?

A micro-investment platform is an easy-to-use application that enables individuals to invest small amounts of funds. Unlike traditional investment schemes, which have a minimum limit on how much money can be saved, micro-investing platforms do not have that restriction.

What is the difference between CD and FD?

There are shorter investment tenures for CDs compared to fixed deposits. The minimum amount required to invest in CDs is around INR 1 lakh. On the other hand, with fixed deposits, you can invest as little as INR 1000. They are relatively low-risk investments, but they can be used as a collateral for loans. CDs offer better returns.

What is the period of certificate of deposit?

The maturity period of a certificate of deposit is typically 7 days to 1 year. For commercial banks, it can range from 1 year to 3 years.

Is REIT a good investment?

Real estate investment trusts (REITs) are a great way to expand your portfolio and diversify away from bonds and traditional stocks. They offer a steady income and long-term appreciation.

How do beginners invest in REITs?

You can start trading REITs by opening a brokerage account. This will allow you to buy and sell these securities just like you would any other asset.

What do you mean by bonds?

Bonds are a way for governments or companies to borrow money from investors. Essentially, when you buy a bond, you’re loaning money to the issuer. It’s a type of investment where you receive interest payments on a regular basis and the principal amount is paid back to you at the end of the bond’s term.

How do bonds work?

Corporations and governments issue bonds when they need to raise money. The issuer of the bond will pay you back the loan on a set date, and it will also make periodic interest payments.

What is ETF dividend stocks?

A dividend ETF is an investment option that aims to offer investors a variety of stocks that provide regular and reliable dividends. The fund manager selects suitable stocks based on an index that provides consistent payouts. This type of fund is useful for individuals who want to generate income from their investments.

What is a dividend stock?

A company that pays a steady and predictable amount of dividends is known as a dividend stock. It is a publicly traded organization that values its shareholders and is committed to rewarding them with regular payouts.

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